More Than Free Checking

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.


Free Instant Issue Debit Card

Free Gift

Free Online Banking

Free Bill Pay

Free Mobile Banking

First Book of Checks Free

Competitive Interest

No Minimum Balance

No per Check Charge

>No Monthly Service Charge

$50.00 Minimum Deposit to Open

eStatements Required

Important Account Information – At Our Discretion, We May Change The Interest Rate For This Account. The Interest Rate On This Account Is 0.04% With An Annual Percentage Yield Of 0.4%. The interest rate(s) and annual percentage yield(s) are accurate as of October 16, 2013. If you would like more current rate and yield information, please call us at (918)788-3373. The interest rate and annual percentage yield may change at any time

Terms and 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 $1o.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.