Welch State Bank realizes your checking account should be convenient, safe, and reliable and come with the services you need! That’s why we offer a variety of checking accounts so you are sure to find the best account to meet all your financial needs.

In order to make our accounts convenient as possible, Welch State Bank offers a full array of financial products such as ATM Cards and Debit Cards, Direct Deposit, Cashier’s Checks, Money Orders, Notary Service, Wire Transfers, and Safety Deposit Box Rentals.

Below is a chart to help you compare the different personal checking account’s we offer. And be assured that along with any of our banking services, you will receive GREAT customer service.


EMV Debit Cards

Welch State Bank has been working behind the scenes for the last couple of years to bring to our customers the latest, most secure debit cards available, and we are excited to announce that they are finally here!


What this means for you as customer: If you have not already, you will soon receive a chip debit card in the mail to replace your current debit card. We encourage you to activate your new card as soon as possible and start taking advantage of its added safety features.


If you have any questions regarding your debit card, please do not hesitate to stop by or call your nearest branch location. Our phone numbers are:


Welch Location: 918-788-3373
North Main Branch: 918-542-2000
South Coffeyville Branch: 918-255-6611
Steve Owens Branch: 918-544-9100


Thank you for banking with Welch State Bank! We appreciate your business and look forward to bringing you more products to better meet your banking needs.







 More Than Free CheckingYour Choice Checking50 N BetterWaiveTiered CheckingMoney Market
Minimum Required to Open Account $50 $50 $50 $50 $50 $1,500
Monthly Service Charge FREE $6.29 monthly service charge for paper statements FREE FREE FREE (1)
Interest Bearing YES YES YES NO YES – On a tiered basis (2) YES - On a tiered basis (6)
Imaged Statements YES YES YES YES YES YES
Check Writing Limitations UNLIMITED UNLIMITED UNLIMITED UNLIMITED UNLIMITED 6 third-party transactions may clear your account per statement cycle; of the six, 3 may be by check.(5)
Check Orders First box FREE (3) First box FREE (3) FREE (3) First box FREE(3) FREE (3) First box FREE (3)
Voice Access Telephone Banking FREE FREE FREE FREE FREE FREE
Debit Card FREE (4) FREE (4) FREE (4) FREE (4) FREE (4) NA
ATM Card FREE (4) FREE (4) FREE (4) FREE (4) FREE (4) FREE (4)
Foreign ATM Usage Fee from Welch State Bank FREE FREE FREE FREE FREE