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

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

Relationship Checking

Added benefits for those with
multiple accounts
  • Competitive Interest
  • $100 Minimum to open
  • Requires a Bank Five Nine consumer savings, money market, CD, or mortgage loan to avoid Relationship Fee
  • 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
  • Discount on HELOC closing costs

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 CheckingFree CheckingRelationship CheckingStudent Checking
Product DescriptionLow balance account with many valuable benefits and discountsBasic account with unlimited check writingAdded benefits for those with multiple accountsGreat for students and customers age 14 – 24
Competitive InterestNoNoYesNo
Minimum Opening Balance$100$100$100
Requires a Bank Five Nine consumer savings, money market, CD, or mortgage loan to avoid Relationship Fee
$25
Minimum Daily Balance$0$0$0$0
Monthly Maintenance Fee$6/mo Each debit card purchase reduces monthly fee by $0.25 up to a maximum of $6$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`
Check Writing AccessUnlimitedUnlimitedUnlimitedUnlimited
Online BankingYesYesYesYes
Mobile BankingYesYesYesYes
Account AlertsYesYesYesYes
Online Bill PayYesYesYesYes
Zelle®YesYesYesYes
24 hr Telephone Banking AccessYesYesYesYes
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 fee
MasterCard® Debit CardYesYesYesYes
eStatementsAvailableAvailableAvailableAvailable
Check SafekeepingYesYesYesYes
Check Printing(2) boxes/yr at no charge*Available(2) boxes/yr at no charge*1 free box of checks at account opening (mini-pak)
Bank@Work EligibleYesYesYesNo
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
Overdraft Protection**

Overdraft Privilege^
Overdraft Protection**

Overdraft Privilege^

Annual $10 Discount on a Safe Deposit Box

(1) Free Travel Card per year

(3) Free Cashiers Checks/mo

Discount on HELOC closing costs
Overdraft Protection**

Overdraft Privilege^

Good Savers Scholarship opportunity

+ 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.

Banking Locations

Let us know what you're looking for!

You are leaving bankfivenine.com

Bank Five Nine is not responsible for the content. Do you wish to continue?