Free Checking Accounts


Benefits of a checking account with Welch State Bank

FREE Mobile Deposits
FREE Instant Issue Debit Card
FREE Mobile Banking
Competitive Interest Rates
FREE Bill Pay
FREE Online Banking
No per Check Charge

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Not sure how to choose the perfect checking account for your situation?

Use our Find Your Perfect Account Type tool

Our Checking Account Options


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

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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

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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

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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

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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

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

Budget Calculator


Instant alerts let you know the moment your card is used.

  • Protect yourself against fraud
  • Customize alerts for your transactions
  • Track Spending
  • Turn your card on/off

Interactive Video Player

Terms & Conditions

Fees may reduce earnings. Compounding frequency:  Interest will be compounded monthly. Crediting frequency:  Interest will be credited into this account monthly. Effect of closing an account:  If you close your account before interest is credited; you will not receive the accrued interest. Daily balance computation method:  Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of interest on noncash deposits:  Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Minimum balance to open:  The minimum balance required to open this account is $50.00. Deposit limitations:  You may make an unlimited number of deposits into your account. Bonus:  You may receive a Thank You gift as a bonus provided at account opening. A premature account closing fee of $10.00 will be charged if the account is closed within 90 days of account opening date. Additional Terms:  The following additional terms apply to this account: Overdraft fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means: provided, however, overdraft fees created by ATM or everyday debit card transactions will not apply unless the account owner affirmatively consents to the overdraft service for such transactions.