Features Included
Free Online/Mobile Banking and Telephone Banking. ATM or Debit Cards available for most account types.
Please see our Schedule of Fees & Services for more details. A variety of checking accounts are available. We offer interest bearing and non-interest bearing accounts. Please contact your Charlevoix State Bank representative for current interest rates on our NOW and MMA accounts.
Free Checking
- Minimum opening deposit of $50.00
- No minimum balance required
- No monthly maintenance charge
- A monthly $5.00 dormant account fee will be assessed if there is no account activity for 12 consecutive months
NOW Checking (Interest-Bearing)
- Minimum opening deposit $800.00
- $10.00 maintenance charge if balance falls below $800.00 any day during the month's statement cycle; no interest will be paid for the month
- Interest is computed daily and paid monthly
- A monthly $5.00 dormant account fee will be assessed if there is no account activity for 12 consecutive months.
Preferred NOW Checking (Interest-Bearing)
- Minimum opening deposit $10,000.00
- $15.00 maintenance charge if balance falls below $10,000.00 any day during the month's statement cycle; no interest will be paid for the month
- Interest is computed daily and paid monthly
- A monthly $5.00 dormant account fee will be assessed if there is no account activity for 12 consecutive months
Money Market (Interest-Bearing)
- Minimum opening deposit $2,500.00
- $10.00 maintenance charge if balance falls below $2,500.00 any day during the month's statement cycle; no interest will be paid for the month
- Interest is tiered, computed daily and paid monthly
Health Savings Account (Interest-Bearing)
- Alternative way to pay for medical expenses when you have a High Deductible Health Plan
- Contributions may be tax deductible and qualified medical expenses are tax-free
- Interest is computed daily and paid monthly on accounts maintaining a $500.00 minimum balance each statement cycle
