Accounts
*see account disclosures for complete details
**waived for individuals under the age of 18
| Basic Checking | Regular Checking | NOW Checking | Regular Savings | IRA Savings | Christmas Club Savings | Money Market | |
|---|---|---|---|---|---|---|---|
| Initial Deposit Requirement | None | $25.00 | $1,000.00 | $50.00 | $100.00 | None | $2,500.00 |
| Number of Free Deposits | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Number of Free Debits | 20 | Unlimited (see transaction fees) | Unlimited (see transaction fees) | Three | Unlimited | Funds will be distributed by the bank by November 1st | Six |
| Interest | N/A | N/A | Yes | Yes | Yes | Yes | Yes |
| Maintenance Fees | $5.00 for each cycle with no activity and a current balance less than $100.00 | $4.00 each cycle if balance falls below $500.00 any day of the cycle** | $5.00 each cycle if balance falls below $1,000.00 any day of the cycle | $2.00 each cycle if balance falls below $100.00 any day of the cycle** | $2.00 each cycle if balance falls below $100.00 any day of the cycle | N/A | $5.00 each cycle if balance falls below $2,500.00 any day of the cycle |
| Transaction Fees | $0.25 for each debit in excess of 20 | $0.10 per debit if balance falls below $500.00 any day of the cycle** | $0.25 per debit if balance falls below $1,000.00 any day of the cycle | $1.00 for each withdrawal in excess of three per month | N/A | N/A | $5.00 for each withdrawal in excess of six per month |
| Minimum Balance Requirement | N/A | $500.00 to avoid fees | $1,000.00 to avoid fees | $100.00 to avoid fees | N/A | N/A | $2,500.00 to avoid fees |
| Paper Statement Fee | $2.50 (waived if opted into eStatements) | $2.50 (waived if opted into eStatements) | $2.50 (waived if opted into eStatements) | $2.50 (waived if opted into eStatements) | N/A | N/A | $2.50 (waived if opted into eStatements) |
| Debit Card Available | Yes | Yes | Yes | Yes, if linked to a checking account | N/A | N/A | Yes, if linked to a checking |
| Online / Mobile Banking | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Basic Checking
Initial Deposit Requirement
None
Number of Free Deposits
Unlimited
Number of Free Debits
20
Interest
N/A
Maintenance Fees
$5.00 for each cycle with no activity and a current balance less than $100.00
Transaction Fees
$0.25 for each debit in excess of 20
Minimum Balance Requirement
N/A
Paper Statement Fee
$2.50 (waived if opted into eStatements)
Debit Card Available
Yes
Online / Mobile Banking
Yes
Regular Checking
Initial Deposit Requirement
$25.00
Number of Free Deposits
Unlimited
Number of Free Debits
Unlimited (see transaction fees)
Interest
N/A
Maintenance Fees
$4.00 each cycle if balance falls below $500.00 any day of the cycle**
Transaction Fees
$0.10 per debit if balance falls below $500.00 any day of the cycle**
Minimum Balance Requirement
$500.00 to avoid fees
Paper Statement Fee
$2.50 (waived if opted into eStatements)
Debit Card Available
Yes
Online / Mobile Banking
Yes
NOW Checking
Initial Deposit Requirement
$1,000.00
Number of Free Deposits
Unlimited
Number of Free Debits
Unlimited (see transaction fees)
Interest
Yes
Maintenance Fees
$5.00 each cycle if balance falls below $1,000.00 any day of the cycle
Transaction Fees
$0.25 per debit if balance falls below $1,000.00 any day of the cycle
Minimum Balance Requirement
$1,000.00 to avoid fees
Paper Statement Fee
$2.50 (waived if opted into eStatements)
Debit Card Available
Yes
Online / Mobile Banking
Yes
Regular Savings
Initial Deposit Requirement
$50.00
Number of Free Deposits
Unlimited
Number of Free Debits
Three
Interest
Yes
Maintenance Fees
$2.00 each cycle if balance falls below $100.00 any day of the cycle**
Transaction Fees
$1.00 for each withdrawal in excess of three per month
Minimum Balance Requirement
$100.00 to avoid fees
Paper Statement Fee
$2.50 (waived if opted into eStatements)
Debit Card Available
Yes, if linked to a checking account
Online / Mobile Banking
Yes
IRA Savings
Initial Deposit Requirement
$100.00
Number of Free Deposits
Unlimited
Number of Free Debits
Unlimited
Interest
Yes
Maintenance Fees
$2.00 each cycle if balance falls below $100.00 any day of the cycle
Transaction Fees
N/A
Minimum Balance Requirement
N/A
Paper Statement Fee
N/A
Debit Card Available
N/A
Online / Mobile Banking
Yes
Christmas Club Savings
Initial Deposit Requirement
None
Number of Free Deposits
Unlimited
Number of Free Debits
Funds will be distributed by the bank by November 1st
Interest
Yes
Maintenance Fees
N/A
Transaction Fees
N/A
Minimum Balance Requirement
N/A
Paper Statement Fee
N/A
Debit Card Available
N/A
Online / Mobile Banking
Yes
Money Market
Initial Deposit Requirement
$2,500.00
Number of Free Deposits
Unlimited
Number of Free Debits
Six
Interest
Yes
Maintenance Fees
$5.00 each cycle if balance falls below $2,500.00 any day of the cycle
Transaction Fees
$5.00 for each withdrawal in excess of six per month
Minimum Balance Requirement
$2,500.00 to avoid fees
Paper Statement Fee
$2.50 (waived if opted into eStatements)
Debit Card Available
Yes, if linked to a checking
Online / Mobile Banking
Yes
When you trust your money to a bank, you want to be sure it's in an account that's right for you. One that gives you the most for what you need. That's exactly why White State Bank has so many accounts to choose from. From regular Checking to Money Market, you'll find the one account that has your best interest at heart.
