Personal Checking

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.

Free Checking

  • Minimum opening deposit of $50.00. 
  • No minimum balance required.
  • No monthly service charge or per item fee.
  • $5.00 monthly dormant fee (assessed after 12 months inactivity)
  • Unlimited check writing.  
  • Free ATM/Debit card available.

NOW Checking (Interest-Bearing)

  • Minimum opening deposit $800.00  
  • $10.00 service charge if balance falls below $800.00 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.
  • $5.00 monthly dormant fee (assessed after 12 months inactivity)
  • Free ATM/Debit card available
  • Unlimited check writing 

Preferred NOW Checking (Interest-Bearing)

  • Minimum opening deposit $10,000.00.  
  • $15.00 service charge if balance falls below $10,000.00 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.
  • $5.00 monthly dormant fee (assessed after 12 months inactivity)
  • Unlimited check writing
  • Free ATM/Debit Card

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 monthly on accounts maintaining a $2,500.00 minimum balance each statement cycle.
  • Pre-authorized transfers or withdrawals are limited to six per calendar month.  Unlimited transfers and withdrawals are allowed if made through an ATM or in person.

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 for medical expenses.  

Additional terms may apply.

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.