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Personal Checking Accounts

Checking Accounts that Fit Your Needs

Waukesha State Bank offers a variety of checking account options - one of which will fit your needs perfectly. Below you will find the account that gives you everyday convenience while saving you time and money.

All of our Personal Checking Accounts feature:


Listed below are all of our checking account options.




 Free Checking with Direct Deposit Personal Checking Simple Checking Free Student Checking3 Senior Advantage Checking Advantage Plus Checking Interest Checking Value Added Checking
Best Fit For: People who want a basic account with no minimum balance or monthly service fee. People who want a basic account, but don’t have a direct deposit. People who write 15 or fewer checks per statement cycle. Students under age 26. Senior citizens receiving a retirement income. People looking for an added value from a checking and savings account partnership. Those who want to earn interest and have a higher balance to offset the monthly service fee. People wanting a club account with an extensive array of benefits.
Minimum Balance $0 $250 $0 $0 $0 $0
(Linked account required)		 $1,000 $0
Service Fee
$12 per statement cycle if minimum balance not maintained $5 per statement cycle

$12 per statement cycle if linked savings balance not maintained $12 per statement cycle if minimum balance not maintained $7 per statement cycle
Other Requirements Restrictions or Notes One direct deposit per statement cycle (or will convert to a Personal Checking account)
15 checks per statement cycle ($0.25 per check thereafter) For students under age 26. Parent/ guardian required as joint owner if student is under age 16. Must be 55 years or older and receiving retirement income $2,500 in linked Savings, Super Saver, Eagle Money Market or CD.
For personal accounts only. Entities and Trusts are not eligible.
Earns Interest




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Free Electronic Transfers √ √ √ √ √ √ √ √
Free Checks


1st order 1st order Vault-Image
Vault-Image
Unlimited Check Writing √ √
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Additional Benefits


Free ATM transactions (Terminal surcharge may still apply)
Free Cashiers Checks & Money Orders

Free ATM transactions (Terminal surcharge may still apply)

Reduced consumer loan rates
Free Cashiers Checks & Money Orders

No purchase fee for Mastercard gift cards4

Value Added Checking perks
(see brochure)5
1 Whether or not an ATM has a surcharge, normal fees still apply as follows: A $2 transaction fee will apply at all non-Waukesha State Bank ATMs unless any one of the following conditions are met: 1) you are an Advantage Plus or Student Checking account owner, 2) you maintain a minimum balance of $2,500 or more during the checking account monthly statement cycle or savings service charge cycle (calendar month), 3) the transaction is a deposit, transfer or balance inquiry.

2 Checking accounts other than Advantage Plus or Value Added Checking pay a fee for Online Bill Pay if they receive Paper Statements. For Advantage Plus, Value Added Checking and other checking accounts with Paperless Statements, a monthly inactivity fee will apply after 60 days of non-use.

3 Terms and fees are subject to change at any time. Free accounts may be subject to fees such as ATM, early closing, overdraft and bill pay services.
 
4 Mastercard gift card is issued by Pathward, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. 
 
5 Only owners of the Value Added Checking account may claim benefits. Signers who are not also owners of the account are not eligible.


WSB Contactless Debit Card

Debit Mastercard®: The quick, safe way to pay for purchases!

Using your Debit Mastercard is the perfect way to pay at a variety of places, like gas stations, grocery stores, restaurants... and more!