- About Us
Free Internet Banking, Bill Pay and Telephone Banking is available for all accounts.
Please see our Schedule of Fees & Services for more details. 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.
- Minimum opening deposit $100.00
- $5.00 monthly service charge plus 10 cents per check or debit item. A 25 cent credit per $100.00 average balance for the statement cycle will be applied to offset the monthly service charge.
- $5.00 monthly dormant fee (assessed after 12 months inactivity)
Business NOW (Interest-Bearing)
- May only be held by a sole proprietor and certain non-profit organizations.
- Minimum monthly balance of $1,000.00.
- A $10.00 service charge will be assessed if balance falls below $1,000.00 within a statement cycle and no interest will be paid.
- If there is no account activity for twelve months a monthly dormant account fee of $5.00 will be assessed.
Money Market (Interest-Bearing)
- Minimum opening deposit $2,500.00
- $10.00 service charge if balance falls below $2,500.00 and no interest will be paid for the month.
- Interest is tiered, computed daily and paid monthly on accounts maintaining a $2,500.00 minimum balance each statement cycle.
- Preauthorized transfers or withdrawals are limited to six per calendar month. Unlimited transfers and withdrawals are allowed if made through ATM or in person.
Employer Health Savings Plans Now Available!
- Ask for details.
All deposits are insured up to $250,000 by the FDIC, subject to FDIC rules and requirements. A brochure outlining your coverage options is available for your guidance.