Your Choice Checking

Your Choice Checking


Welch State Bank’s Your Choice Checking account is a basic checking with a small monthly service charge and UNLIMITED check writing. Our Your Choice Checking account is an interest-bearing account and you receive all of the following benefits:


Free Instant Issue Debit Card

Free Gift

Free Online Banking

Free Bill Pay

Free Mobile Banking

First Book of “Bank Checks” Free

Competitive Interest

No Minimum Balance

No per Check Charge

$50.00 Minimum Deposit to Open

Only $6.29 Monthly Service Charge for Mailed Paper Statements


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 0.04%.

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 $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.