All Things Personal Banking

Personal Banking Made Easy

All Things Personal Banking

We understand your personal banking experience should be convenient, safe, reliable and come with the services you need. That’s why we offer a variety of premium banking features, checking accounts, savings accounts, loan options, and investment opportunities. With all of our options, you are sure to find the best account and services for you. We have the services you need, the convenience you want, and the security you deserve!

Premium Personal Banking Features

FREE Instant Issue Debit Card

FREE Bill Pay

Competitive Interest Rates

FREE Online Banking

FREE Mobile Banking

FREE Mobile Deposits

Control Your Card 24/7 with CardValet

Instant Alerts Let You Know The Moment Your Card is Used

  • Protect yourself against fraud
  • Customize alerts for your transactions
  • Track Debit Card Spending
  • Turn Your Debit Card on and off

Interactive Video Player

Need help? Use our budget calculator to determine your savings goals

Budget Calculator

Personal Checking Accounts

MORE THAN FREE CHECKING

Our More Than Free Checking account is a basic checking with NO monthly service charge.

  • No Monthly Service Charge
  • Free Bill Pay
  • No Minimum Balance

Find Out More

Your Choice Checking

Your Choice Checking is a basic checking with a small monthly service charge and UNLIMITED check writing.

  • Competitive Interest
  • No per Check Charge
  • No Minimum Balance

Find Out More

50 N BETTER CHECKING

Specially designed for those 50 years of age or older with UNLIMITED check writing and FREE Bank Checks.

  • All “Bank Check” Orders FREE
  • Competitive Interest
  • No Minimum Balance

Find Out More

TIERED INTEREST CHECKING

Tiered Interest Checking is designed for those who maintain a higher daily balance. This account earns interest on a tiered basis – so the higher the balance, the more interest you earn!

  • Unlimited Check Writing
  • Free Bill Pay
  • All “Bank Check” Orders FREE

Find Out More

MONEY MARKET

Our Money Market Account gives you the ability to write a limited number of checks and still earn interest on a higher payout tier.

  • Unlimited Over the Counter Transactions
  • Unlimited Items Deposited into Account
  • No Monthly Service Charge with a daily balance of $1,500.00 or more

Find Out More

Keep control of your financial health with our Debt to Income ratio calculator

DTI Calculator

Personal Savings Accounts

Regular Savings

We know that there are several reasons to save money, small and big! Our savings account is a great place to save money for your future needs.
  •  Minimum to Open: $50.00
  •  Monthly Maintenance Fee: FREE
  •  Interest Bearing: YES, with a daily balance of $50.00 or more
  • Withdrawals: A fee of $2.29 will be assessed for each withdrawal after the first 3 withdrawals per month. After you exceed 6 in any statement period, your account will be subject to closure by the financial institution.

Find Out More

Money Market

Our Money Market Account, you have the ability to write a limited number of checks and still earn interest on a higher payout tier.
  • Free Online Banking
  • Unlimited Over the Counter Transactions
  • Free Mobile Banking
  • $1,500.00 Minimum Balance to Open and Required to Maintain to Receive APY

Find Out More

Little Savers

Kids love to go to the bank to get suckers, why not let them make deposits into their own account and save their money for something special!
  • Ages: Birth to 12 years
  • Minimum to Open: Only $5.00 Minimum to Open
  • Interest Bearing: Yes
  • Monthly Maintenance Fee: FREE
  • Withdrawals: A fee of $2.29 will be assessed for each withdrawal after the first 3 withdrawals per month. After you exceed 6 in any statement period, your account will be subject to closure by the financial institution.

Find Out More

Savings Christmas Club

Our interest-bearing Christmas Club* account is an excellent way to save for the Holidays, making things easier on your bank account when Santa comes to town! You decide how much to save, and how often.
  • Minimum to Open: $1.00
  • Monthly Maintenance Fee: FREE
  • Interest Bearing: YES
  • Withdrawals: None allowed during the year

*The maturity date of this account is the 30th day of September of each year; a check will be mailed the first week of October for the principle and interest amount. Find Out More

Our banking experts are ready to start your personal loan process

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Find the Right Personal Loan

At Welch State Bank, our lending experts are here to offer an array of consumer loans, including Home Purchase, Home Equity, Construction, Auto, Boat, and other-purpose loans for all worthwhile purposes.

Auto Loans

Are you looking to buy a new car and need financing? Let us help! Our Lending Officers have the ability to make same day decisions. We are a local bank, with local people, and we make local decisions.
  • Flexible terms
  • Competitive Rates
  • Unmatched Customer Service

Find Out More

HOME MORTGAGE LOANS

Whether you’re a first-time homebuyer, looking to buy your next home, or interested in refinancing your current home, our expert mortgage Lending Officers are here to answer your questions.

  • 100% Financing*
  • Low Closing Costs
  • Competitive Rates – Long-Term
  • Adjustable or Fixed-Rates

*Not to exceed Fair Market Value Find Out More

HOME IMPROVEMENT LOANS

Time for some home improvements? We can help! Call today and speak with a Lending Expert. It’s time to upgrade!

  • HVAC
  • Roofing
  • Windows
  • Flooring

Find Out More

HOME EQUITY LOANS

Need some extra cash? Welch State Bank offers home equity loans and home equity lines of credit.

  • Home improvements
  • Luxury Vacations
  • Consolidating Debt
  • Business Investments

Find Out More

Construction Loans

Build your dream home with hassle-free financing and bridge loan options available while you build your new home.

  • Flexible terms
  • Competitive Rates
  • Unmatched Customer Service

Find Out More

Keep control of your financial health with our Debt to Income ratio calculator

DTI Calculator

CDARS | ICS

These services offer the easiest, most convenient way to enjoy access to FDIC insurance on large deposits. Get safety and returns and work directly just one bank, ours, and receive one monthly statement per service. With the Insured Cash Sweep®, or ICS® service and the CDARS® service, you can enjoy the peace of mind that comes with access to multi-million-dollar FDIC insurance and can choose the service or combination of services that best meets your needs for returns and access to funds.

Protecting your deposits while earning a return—now that's smart.

WANT TO LEARN MORE? Click here to see videos and learn more about these services or contact Ciarra Millard at 918-542-2000 for more information.


REST ASSURED

Make even large deposits eligible for protection that's backed by full faith and credit of the federal government.


EARN INTEREST

Enjoy the conveniences of banking directly with us and of earning one interest rate on funds placed into demand deposit accounts through ICS and one rate per maturity on funds placed into CDs with CDARS.


SAVE TIME

Work directly with just us—a bank you know and trust—to access multi-million-dollar FDIC insurance, and forego the need to use repo sweeps or to track collateral on an ongoing basis.


ACCESS FUNDS

With ICS, enjoy unlimited withdrawals. With CDARS, select from a range of maturities: 4 weeks, 13 weeks, 26 weeks, 52 weeks, 2 years, 3 years and 5 years.

BENEFITS OF CHOOSING A CD WITH WELCH STATE BANK:

We offer competitive rates and terms from 30 days to 5 years to meet your savings needs. Open with as little as $500.

  • Competitive Rates
  • Deposit any amount with no insurance limit via CDARS
  • Fixed & Predictable Returns
  • Open with as little as $500

Check out our current Certificate of Deposit Specials!

Certificate of Deposit Specials


Please call any branch location for more information.


Your next personal investment opportunity is waiting

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