Checking & Savings

Checking Accounts

We keep it simple with four great checking account options. All checking accounts include free eStatements, access to online & mobile banking, and debit cards. Contact us for rates. CHECKING ACCOUNT INQUIRY

	Simple Checking	Investment Checking	Superior Checking	HSA Checking
BEST IF YOU'RE LOOKING FOR	A simple checking account, with no minimum balance or monthly maintenance fees	An interest-bearing checking solution	A full-service account for those 60 years of age or older	An account that helps you save for qualified medical expenses.
MINIMUM OPENING DEPOSIT	$50	$1,000	$100	No minimum to open
MINIMUM BALANCE	No minimum balance	$5,000 minimum balance to avoid fees and to obtain the disclosed annual percentage yield	No minimum balance	No minimum balance
MONTHLY MAINTENANCE FEE	No maintenance fees	$10 monthly if balance falls below minimum requirement of $5,000	No maintenance fees	$2.50 monthly fee
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 $50.00	$10 monthly fee if account remains inactive for 12 consecutive months, without any debits or credits, and the account balance is less than $50.00	$10 monthly fee if account remains inactive for 12 consecutive months, without any debits or credits, and the account balance is less than $50.00
INTEREST BEARING	No interest paid	Interest bearing on average daily balance; compounded and paid monthly Variable interest rate and subject to change at bank's discretion	Interest bearing on average daily balance; compounded and paid monthly Variable interest rate and subject to change at bank's discretion	Interest bearing on average daily balance; compounded and paid monthly Variable interest rate and subject to change at bank's discretion
ADDITIONAL INFORMATION		Complimentary first order of mini pack of checks or $8 credit toward another style Accrued interest will not be paid out if account is closed before interest is credited Tiered Interest Rates	First order of blue wallet or duplicate checks is complimentary. All reorders are charged shipping and handling. Can receive $8 credit toward another style Accrued interest will not be paid out if account is closed before interest is credited	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

CREDIT/DEBIT & ATM CARDS	E-SERVICES	EXTRAS
Debit or ATM Card No fees at any Park State Bank ATMs* Over 37,000 surcharge-free ATMs through the MoneyPass® Network	Online Banking & Mobile Banking (text rate may apply) eStatements eDeposit Bill Pay External Transfers	Overdraft Privilege (available to eligible applicants) Ready Reserve Overdraft Protection (available to eligible applicants) 24-Hour Telephone Banking

*A $1 fee will be charged for transfers, withdrawals, and balance inquiries when you use an ATM not owned by Park State Bank, Lucky Seven General Stores or an ATM not in the Money Pass Network.

Savings Accounts

We have a savings solution for you to help you reach your financial goals. All savings accounts include free eStatements and access to online & mobile banking. SAVINGS ACCOUNT INQUIRY

	Regular Savings	Holiday Savings	Higher Learning Savings
BEST IF YOU'RE LOOKING FOR	A simple savings solution with a low minimum balance	A savings account designed for saving up for those special holidays	An account to help you save money for college
MINIMUM OPENING DEPOSIT	$50	No minimum to open	$50
MINIMUM BALANCE	$50 minimum balance to avoid fees and to obtain the disclosed annual percentage yield	No minimum balance	$50 minimum balance to avoid fees and to obtain the disclosed annual percentage yield
MONTHLY MAINTENANCE FEE	$10 per quarterly cycle fee if balance falls below the minimum requirement	No maintenance fees	$10 quarterly cycle fee if balance falls below the minimum requirement
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 $50.00
INTEREST BEARING	Interest bearing on average daily balance; compounded and paid quarterly Variable interest rate and subject to change at bank's discretion	Interest bearing on average daily balance and paid at maturity Variable interest rate and subject to change at bank's discretion	Interest bearing on average daily balance; compounded and paid quarterly Variable interest rate and subject to change at bank's discretion
MINOR ACCOUNT TERMS	No minimum balance required if under 18 years of age	N/A	Account automatically converts to a regular savings account when minor reaches 18 years of age
ADDITIONAL INFORMATION	Accrued interest will not be paid out if the account is closed before the interest is credited	A $25 early withdrawal fee will be imposed Receive funds on October 31 Accrued interest will not be paid out if the account is closed before the interest is credited	Account must be opened by an adult 18 years of age or older. A $25 early withdrawal fee will be imposed per withdrawal before child reaches age 18 years of age Accrued interest will not be paid out if the account is closed before the interest is credited

A Regular Savings Account Includes:

ATM SERVICES	E-SERVICES	EXTRAS
ATM Card No fees at any Park State Bank ATMs* Over 37,000 surcharge-free ATMs through the MoneyPass® Network	Online Banking & Mobile Banking (text rate may apply) eStatements eDeposit	24-Hour Telephone Banking

*A $1 fee will be charged for transfers, withdrawals, and balance inquiries when you use an ATM not owned by Park State Bank, Lucky Seven General Stores or an ATM not in the Money Pass Network.

The number of pre-authorized withdrawals or transfers is limited to 6 per month, including those made by check, draft, debit card or similar order to third parties. Any transaction in excess of 6 will be charged $1 per transaction. Withdrawals made at ATMs or in person are unlimited.

For more information regarding Checking and Savings accounts, or to open an account today, Contact Us.