Personal Banking - Checking Accounts

FREEdom Checking

Welch State Bank’s FREEdom Checking account is a basic checking with NO monthly maintenance fee and UNLIMITED check writing.  At WELCH STATE BANK even our FREEdom checking account is an interest-bearing account and you can still enjoy the benefits of FREE Voice Access, FREE Online Banking & FREE Online bill-pay. 

Minimum to Open

$50.00

Monthly Maintenance Fee

NONE

Interest Bearing

YES

Check Printing

FREE First box of Bank Logo Checks (Wallets or Duplicates)

Check Writing

UNLIMITED

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE (card given with approved application)

ATM Access

FREE (card given with approved application)
Welch State Bank does not charge a fee to access any ATM located in the United States.  (A fee may be assessed by the owner/operator of the ATM.)

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FREEdom 55 Plus

Welch State Bank’s FREEdom 55 Plus Checking account is specially designed for those 55 years of age or better.  FREEdom 55 Plus is a basic checking with NO monthly maintenance fee, UNLIMITED check writing and FREE Bank Logo Checks.  And at WELCH STAE BANK even our FREEdom 55 Plus checking account is an interest-bearing account and you can still enjoy the benefits of FREE Voice Access, FREE Online Banking & FREE Online bill-pay. 

Minimum to Open

$50.00

Monthly Maintenance Fee

NONE

Interest Bearing

YES

Check Printing

FREE Bank Logo Checks (Wallets or Duplicates)

Check Writing

UNLIMITED

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE (card given with approved application)

ATM Access

FREE (card given with approved application)
Welch State Bank does not charge a fee to access any ATM located in the United States.  (A fee may be assessed by the owner/operator of the ATM.)

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Regular Checking

Welch State Bank’s Regular Checking account is our basic checking account.  With a minimum daily balance of $500.00 or more, there is no monthly maintenance fee and 25 items clear each month at no additional charge.  And even with WELCH STATE BANK’s Regular Checking account you can still enjoy the benefits of FREE Voice Access, FREE Online Banking & FREE Online bill-pay. 

Minimum to Open

$100.00

Monthly Maintenance Fee

Based on Minimum Daily Balance

 

Minimum Daily Balance

Monthly Maintenance Fee

 

$0.00 to $299.99

$5.21

 

$300.00 to $399.99

$4.27

 

$400.00 to $499.99

$3.29

 

$500.00 & Over

FREE

Interest Bearing

NO

Check Printing

FREE First box of Bank Logo Checks (Wallets or Duplicates)

Check Writing

25 items cleared each month at no additional charge
Over 25 items cleared are $0.23 each

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE (card given with approved application)

ATM Access

FREE (card given with approved application)
Welch State Bank does not charge a fee to access any ATM located in the United States.  (A fee may be assessed by the owner/operator of the ATM.)

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Prestige Checking

Welch State Bank’s Prestige Checking account is designed for those who maintain a higher daily balance.  Our Prestige Checking earns interest on a tiered basis – so the more you keep in the account the more interest you earn. Our Prestige Checking account customers can also enjoy the benefits of FREE Voice Access, FREE Online Banking & FREE Online bill-pay. 

Minimum to Open

$1,500.00

Monthly Maintenance Fee

FREE with a daily balance of $1,500.00 or more
$15.37 if balance falls below $1,500.00

Interest Bearing

YES - $1,500.00 daily balance required to earn interest
Interest Rate and Annual percentage Yield Tiers are:

 

$1,500.00 to $2,999.99

 

$3,000.00 to $9,999.99

 

$10,000.00 to $24,999.99

 

$25,000.00 to $99,999.99

 

$100,000.00 & Over

Check Printing

FREE First box of Bank Logo Checks (Wallets or Duplicates)

Check Writing

25 items cleared each month at no additional charge
Over 25 items cleared are $0.31 each

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE (card given with approved application)

ATM Access

FREE (card given with approved application)
Welch State Bank does not charge a fee to access any ATM located in the United States.  (A fee may be assessed by the owner/operator of the ATM.)

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Money Market Account

Welch State Bank’s Money Market account is an interest bearing account  when a qualifying balance is maintained.  This account gives you the ability to write a limited number of checks and still earn interest. 

This account allows six (6) third-party transactions to clear your account per statement cycle; of the six, three (3) may be by check, draft, or similar order.  ATM transactions and deposits are unlimited.  The account earns interest on a tiered basis and you can enjoy the benefits of FREE Voice Access, FREE Online Banking & FREE Online bill-pay.

Minimum to Open

$1,500.00

Monthly Maintenance Fee

FREE with a daily balance of $1,500.00 or more
$15.77 monthly maintenance fee if the daily balance drops below $1,500.00.

Interest Bearing

YES - $1,500.00 daily balance required to earn interest
Interest Rate and Annual percentage Yield Tiers are:

 

$1,500.00 to $9,999.99

 

$10,000.00 to $24,999.99

 

$25,000.00 to $49,999.99

 

$50,000.00 to $99,999.99

 

$100,000.00 & Over

Items cleared against account per statement

Only 6 third-party transactions may clear your account per statement cycle; of the 6, 3 may be by check, draft or similar order.  A $2.29 excessive fee does apply when these restrictions are exceeded.
ATM transactions and Over-the-counter transactions are unlimited.

In-person transactions

UNLIMITED

Items deposited into account

UNLIMITED

Check Printing

FREE – First box of Bank Logo Checks

Imaged Statement

YES

Online Banking

FREE

Online Bill Pay

FREE

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Checking Accounts
    
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