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.

Our Most Popular Checking Account Options

Value Checking

Low balance account with many
valuable benefits and discounts
  • Shop local, save local with BaZing savings
  • Cell phone protection, Identity theft protection and 24-hour roadside assistance
  • $5,000 travel accidental death coverage
  • Pharmacy, vision and hearing savings
  • Unlimited check writing
  • Non-ACCESS ATM fee rebates up to $12/mo
  • Account alerts

Premier Checking

For customers who carry a high balance or have existing deposits with Bank Five Nine
  • Discount on HELOC closing costs
  • No monthly maintenance fee
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
  • Unlimited check writing
  • FREE online banking and bill pay
  • FREE mobile banking with check deposit
  • Overdraft Protection**
  • Overdraft Privilege^

Free Checking

Basic account with
unlimited check writing
  • $100 Minimum to open
  • eStatements
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
  • FREE online banking
  • FREE online bill pay
  • FREE mobile banking with check deposit

Classic Checking

Reserved for customers
age 50 and better
  • Competitive Interest
  • $100 Minimum to open
  • eStatements
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
  • FREE online banking
  • FREE online bill pay
  • FREE mobile banking with check deposit

Reorder Checks

Online check ordering is fast and easy! Click below to start your order today.

Account Alerts

Enroll in Direct Deposit

Overdraft Services

Debit Cards

Veterans Banking

Achieve Checking

Compare Checking Accounts

FeatureValue CheckingPremier CheckingFree CheckingStudent CheckingClassic Checking
Product DescriptionLow balance account with many valuable benefits and discountsFor customers who carry a high balance or have existing deposits with Bank Five NineBasic account with unlimited check writingGreat for students and customers age 14 – 24Reserved for customers age 50 and better
Competitive InterestNoYesNoNoYes
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 TransactionsNon-ATM Access fee rebates up to $12/moFree ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations~Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations~Maximum of one fee rebate per month up to $9.99`Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations~
Check Writing AccessUnlimitedUnlimitedUnlimitedUnlimitedUnlimited
Online BankingYesYesYesYesYes
Mobile BankingYesYesYesYesYes
Account AlertsYesYesYesYesYes
Online Bill PayYesYesYesYesYes
Zelle®YesYesYesYesYes
24 hr Telephone Banking AccessYesYesYesYesYes
Bank Five Nine VISA Credit Card®Available+ Minimum requirement of 1 purchase/yr to waive annual feeAvailable+ Minimum requirement of 1 purchase/yr to waive annual feeAvailable+ Minimum requirement of 1 purchase/yr to waive annual feeAvailable+ Minimum requirement of 1 purchase/yr to waive annual feeAvailable+ Minimum requirement of 1 purchase/yr to waive annual fee
MasterCard® Debit CardYesYesYesYesYes
eStatementsAvailableAvailableAvailableAvailableAvailable
Check SafekeepingYesYesYesYesYes
Check Printing(2) boxes/yr at no charge*(2) boxes/yr at no charge*Available1 free box of checks at account opening (mini-pak)(2) boxes/yr at no charge*
Bank@Work EligibleYesYesYesNoYes
OtherOverdraft 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^
Overdraft Protection**

Overdraft Privilege^

Good Savers Scholarship opportunity
Overdraft Protection**

Overdraft Privilege^

Annual $10 Discount on a Safe Deposit Box

(1) Free Travel Card per year

(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.

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