Personal Banking - Checking Accounts

More Than Free Checking

Welch State Bank’s More Than Free Checking account is a basic checking with NO monthly service charge and UNLIMITED check writing.  At WELCH STATE BANK even our More Than Free 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

Minimum Balance NONE

Monthly Service Charge

NONE

Monthly Imaged Statements YES

Interest Bearing Regardless of Balance

YES

Check Printing

FREE First box of Bank Checks (Single or Duplicate)

Check Writing

UNLIMITED

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE

ATM Access

FREE

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50 N Better Checking

Welch State Bank’s 50 N Better Checking account is specially designed for those 50 years of age or better.  50 N Better Checking is a basic checking with NO monthly service charge, UNLIMITED check writing and FREE Bank Checks (Single or Duplicate).  And at WELCH STAE BANK even our 50 N Better 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

Minimum Balance NONE

Monthly Service Charge

NONE

Monthly Imaged Statements YES

Interest Bearing Regardless of Balance

YES

Check Printing

All FREE Bank Checks (Single or Duplicate)

Check Writing

UNLIMITED

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE

ATM Access

FREE

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Waive Checking

Welch State Bank’s Waive Checking account is our non interest bearing basic checking account.  With no minimum daily balance, no monthly service charge, and no per check charge.  And even with WELCH STATE BANK’s Waive Checking account you can still enjoy the benefits of FREE Voice Access, FREE Online Banking & FREE Online bill-pay. 

Minimum to Open

$50.00

Minimum Balance NONE

Monthly Service Charge

NONE
Monthly Imaged Statements YES

Interest Bearing

NO

Check Printing

FREE First box of Bank Checks (Single or Duplicate)

Check Writing

UNLIMITED

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE

ATM Access

FREE

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Tiered Interest Checking

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

Minimum to Open

$50.00 w/30 days grace to reach minimum balance

Minimum Balance to avoid Monthly Service Charge $1500.00

Monthly Service Charge

FREE with a daily balance of $1,500.00 or more
$6.00 Minimum balance fee if balance falls below $1,500.00 during statement cycle

Monthly Imaged Statements YES

Interest Bearing

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

 

$0 to $1,500.00

 

$1,500.00 to $9,999.99

 

$10,000.00 to $49,999.99

 

$50,000.00 & Over

Check Printing

FREE  Bank Checks (Single or Duplicate)

Check Writing

UNLIMITED

Online Banking

FREE

Online Bill Pay

FREE

Visa Debit Card

FREE

ATM Access

FREE

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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 Service Charge

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 Checks

Imaged Statement

YES

Online Banking

FREE

Online Bill Pay

FREE

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Checking Accounts
    
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