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Consumer Checking

A variety of checking accounts are available. We offer interest bearing and non-interest bearing accounts. Please contact your Charlevoix State Bank representative for current interest rates on our NOW and MMA accounts.

Free Checking*

  • Minimum opening deposit of $50.00. ** 
  • No minimum balance required.
  • No monthly service charge or per item fee.
  • Unlimited check writing.  
  • Free ATM/Debit Card available.
  • Free Internet Banking Bill Pay.
  • If there is no account activity for 12 months a monthly dormant account fee of $5.00 will be assessed.  

Health Savings Account (Interest-Bearing)*

  • Alternative for medical expenses when you have a High Deductible Health Plan.
  • Contributions may be tax deductible and qualified medical expenses are tax-free.  
  • Interest is computed daily and paid monthly on accounts maintaining a $500.00 minimum balance each statement cycle.   
  • Unlimited check writing for medical expenses. 
  • Free Debit Card.  

NOW Checking (Interest-Bearing)*

  • Minimum opening deposit $800.00. ** 
  • A service charge of $10.00 will be assessed if balance falls below $800.00 any day during the month's statement cycle, and no interest will be paid for the month.    
  • Interest is computed daily and paid monthly on accounts maintaining an $800.00 minimum balance each statement cycle.
  • Unlimited check writing.  
  • Free Internet Banking Bill Pay.
  • If there is no account activity for 12 months a monthly dormant account fee of $5.00 will be assessed. 

Preferred NOW Checking (Interest-Bearing)*

  • Minimum opening deposit $10,000.00. ** 
  • A service charge of $15.00 will be assessed if balance falls below $10,000.00 any day during the month's statement cycle, and no interest will be paid for the month.   
  • Interest is computed daily and paid monthly on accounts maintaining a $10,000.00 minimum balance each statement cycle.
  • Unlimited check writing.
  • Free ATM/Debit Card.
  • Free Internet Banking Bill Pay.
  • If there is no account activity for 12 months a monthly dormant account fee of $5.00 will be assessed.  

Additional terms may apply

  * Free Internet Banking and Telephone Banking for all account types.

** If account is closed within the first 3 months there is a $10.00 early closing fee.

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