Personal Checking Accounts
Your personal checking account should be easy. It's the account you access and depend on the most. With additional services like account alerts, check ordering, direct deposit enrollment and overdraft services we hope your money works smarter for you, so you don't have to work harder.
All of our personal checking options provide you with monthly statements, access to your account online, and mobile access to your checking account through the Bank Five Nine app. We offer checking accounts that meet everyone's needs. Free Checking features a no-fee, no minimum balance account with free access at over 600 ATM locations state-wide and our Premier Checking even offers competitive interest rates!
Explore our products and services at your leisure. If you have any questions, please let us know!
If you happen to be new to the world of checking accounts, take a look at this brief overview for a better understanding. Checking Accounts
| Feature | Value Checking | Premier Checking | Free Checking | Student Checking | Classic Checking |
|---|---|---|---|---|---|
| Product Description | Low balance account with many valuable benefits and discounts | For customers who carry a high balance or have existing deposits with Bank Five Nine | Basic account with unlimited check writing | Great for students and customers age 14 - 24 | Reserved for customers age 50 and better |
| Competitive Interest | No | Yes | No | No | Yes |
| Minimum Opening Balance | $100 | $100 | $100 | $25 | $100 |
| Minimum Daily Balance | $0 | $500 OR $5,000 in deposits with Bank Five Nine | $0 | $0 | $0 |
| Monthly Maintenance Fee | $6/mo Each debit card purchase reduces monthly fee by $0.25 up to a maximum of $6 | $10/mo if account falls below daily minimum balance or total deposit balance | $0 | $0 | $0 |
| ATM Transactions | Non-ATM Access fee rebates up to $12/mo | Free at Bank Five Nine & over 600 Wisconsin ATM Access locations~ | Free at Bank Five Nine & over 600 Wisconsin ATM Access locations~ | Maximum of one fee rebate per month up to $9.99` | Free at Bank Five Nine & over 600 Wisconsin ATM Access locations~ |
| Check Writing Access | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Online Banking | Yes | Yes | Yes | Yes | Yes |
| Mobile Banking | Yes | Yes | Yes | Yes | Yes |
| Account Alerts | Yes | Yes | Yes | Yes | Yes |
| Online Bill Pay | Yes | Yes | Yes | Yes | Yes |
| Zelle® | Yes | Yes | Yes | Yes | Yes |
| 24 hr Telephone Banking Access | Yes | Yes | Yes | Yes | Yes |
| Bank Five Nine VISA Credit Card® | Available+ Minimum requirement of 1 purchase/yr to waive annual fee | Available+ Minimum requirement of 1 purchase/yr to waive annual fee | Available+ Minimum requirement of 1 purchase/yr to waive annual fee | Available+ Minimum requirement of 1 purchase/yr to waive annual fee | Available+ Minimum requirement of 1 purchase/yr to waive annual fee |
| MasterCard® Debit Card | Yes | Yes | Yes | Yes | Yes |
| eStatements | Available | Available | Available | Available | Available |
| Check Safekeeping | Yes | Yes | Yes | Yes | Yes |
| Check Printing | (2) boxes/yr at no charge* | (2) boxes/yr at no charge* | Available | 1 free box of checks at account opening (mini-pak) | (2) boxes/yr at no charge* |
| Bank@Work Eligible | Yes | Yes | Yes | No | Yes |
| Other |
Overdraft Grace: Fees waived if acct. balance is overdrawn by $10 or less^ Overdraft Protection** Annual $10 discount on a safe deposit box (3) Free Cashier Checks/mo (1) Free Travel Card per year Many shopping, dining, travel, health, and peace of mind discounts available |
Discount on HELOC Closing Costs |
Overdraft Protection** Overdraft Privilege^ |
Overdraft Protection** Overdraft Privilege^ Good Savers Scholarship opportunity |
Overdraft Protection** (3) Free Cashiers Checks/mo |
+ Subject to credit approval. *Checks are Bank Five Nine signature checks. **Additional deposit account required. ˄Overdraft Privilege - as a customer courtesy, the bank will consider payment of reasonable overdrafts. Some restrictions may apply. Please read the Overdraft Privilege Policy. ~See Wisconsin ATM Access brochure for participating ATMs or Click Here. 'All transactions authorized but not yet posted to the account by the 15th calendar day of the month are carried forward to the next month's refund calendar.