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Park State Bank
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Personal Checking Accounts

Find the Checking Account That's Right for You.

 
At Park State Bank, we offer personal checking accounts designed to fit a variety of lifestyles and financial goals. Whether you're looking for a simple everyday checking account, an interest-bearing option, a senior checking account, or an HSA account, you'll enjoy convenient features like online banking, mobile banking, eStatements, and debit card access, all backed by the local service and support you can count on. Contact us for rates.
 
 









Simple Checking

Simple Checking is designed for customers who want a straightforward checking account with no monthly maintenance fees and no minimum balance requirement.
 
  • $50 minimum opening balance.
  • No minimum balance required.
  • No monthly maintenance fee.
  • Accounts with no activity and a zero balance for 60 consecutive days, will automatically be closed.
  • Inactivity Fee: $10 monthly fee if account remains inactive for 12 consecutive months, without any debits or credits, and the account balance is less than $50.
  • Interest Bearing: No interest paid.

INVESTMENT Checking account

Investment Checking provides the convenience of a checking account while earning interest on eligible balances.
 
  • $1,000 minimum opening balance.
  • $5,000 minimum balance to avoid fees and to obtain the disclosed annual percentage yield.
  • $10 monthly if balance falls below minimum requirement of $5,000.
  • Inactivity Fee: $10 monthly fee if account remains inactive for 12 consecutive months, without any debits or credits, and the account balance is less than $50.
  • Accounts with no activity and a zero balance for 60 consecutive days, will automatically be closed.
  • Interest bearing on average daily balance; compounded and paid monthly. Variable interest rate and subject to change at bank's discretion.
  • First order of 100 Park State Bank Exclusive Checks is complimentary. All reorders will be charged standard pricing. 
  • Accrued interest will not be paid out if account is closed before interest is credited. 
  • Tiered Interest Rates

Superior Checking

Superior Checking offers additional benefits for customers age 60 and older while providing interest earnings and no monthly maintenance fees.
 
  • $100 minimum opening balance.
  • No minimum balance required.
  • No monthly maintenance fees. 
  • Inactivity Fee: $10 monthly fee if account remains inactive for 12 consecutive months, without any debits or credits, and the account balance is less than $50.
  • Accounts with no activity and a zero balance for 60 consecutive days, will automatically be closed.
  • Interest bearing on average daily balance; compounded and paid monthly. Variable interest rate and subject to change at bank's discretion.
  • First order of 100 Park State Bank Exclusive Checks is complimentary. All reorders are charged shipping and tax.  
  • Accrued interest will not be paid out if account is closed before interest is credited

HSA Checking

An HSA Checking Account helps individuals enrolled in a High Deductible Health Plan (HDHP) save and pay for qualified medical expenses while earning interest on account balances.
 
  • No minimum opening balance.
  • No minimum balance required.
  • $2.50 monthly maintenance fee.
  • Must be enrolled in a High-Deductible-Health-Plan.
  • Interest bearing on average daily balance; compounded and paid monthly. Variable interest rate and subject to change at bank's discretion.
  • Additional Information: Withdrawals must be used exclusively for qualified medical expenses for dependents and spouse.
  • $2,500 Point-of-Sale (POS) daily limit.
  • Withdrawals only by direct withdrawal or debit card.
  • Accrued interest will not be paid out if account is closed before interest is credited