Back to Top

Personal Online Banking
Enroll Now
Forgot Password

Checking Accounts

As part of our commitment to provide the very best checking products and services, we've upgraded our offerings to include benefits that provide our customers with better value and more convenience.  We're confident you'll find a checking account that will not just meet your expectations, but exceed them.

Compare our Checking Accounts

Features/Benefits AdvantEdge CheckingTM Plus Interest AdvantEdge CheckingTM  Essential Checking
BaZing Money-Saving and Personal Protection benefits:
- 360,000 discounts on dining, shopping and entertainment
- Cell Phone Protection
- ID Theft Aid
- Roadside Assistance
Click here for details on these great benefits.
X X  
Interest on checking balance X    

Mobile Banking including remote check deposits and alerts

Internet Banking including bill pay, e-statements and account alerts

Debit Card

UChoose Rewards Points  for Debit card purchases*

Card Valet*

Paper Statements
$3/month $3/month $3/month

Minimum Balance to open
$25 $25 $25

Fee applied if account is inactive for more than  180 days

$5/month $5/month $5/month

Fee if account is closed within 120 days of opening

$35 $35 $35


$1,500 daily minimum balance to avoid a $10 monthly service charge

$6 monthly service charge


Direct deposit or $100 minimum balance to avoid $8 monthly service charge
If account holder is age 25 or younger, service charge is waived

*Separate enrollment required.

Essential Checking |  Apply Now

Looking for just the essentials? Our Essential Checking includes:
  • Internet Banking
  • Mobile Banking
  • Online Bill Pay
  • Debit Card
  • E-Statements
  • 24-hour Telephone Banking
If you maintain a $100 minimum daily balance or have direct deposit, we’ll waive the $8 monthly service charge. If you're under age 25, the monthly service charge is waived, so for students who want something ultra affordable, this is a great account for you!

AdvantEdge CheckingTMApply Now

Get benefits that you're sure to use...and love!  AdvantEdge Checking includes everything that comes with Essentials Checking, plus:

Money-Saving Benefits:

  • Shopping and dining discounts from thousands of local and national retailers
  • Nationwide travel, hotel, recreation and entertainment discounts
  • Savings on prescriptions, vision and hearing aids
Personal Protection Benefits:
  • Cell phone protection**
  • Roadside assistance
  • $2,500 personal identity theft benefit**
  • Identity restoration
  • Payment card fraud resolution
  • $10,000 travel accidental death insurance**
  • This account is a great value for a service charge of just $6 per month.
Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.  Participating merchants are not affiliated with the bank.

AdvantEdge CheckingTM Plus Interest | Apply Now

This account includes all of our great money-saving and personal protection benefits in AdvantEdge Checking, plus interest bearing features.  Interest is earned and added to your account each month (interest rates subject to change weekly).
If you maintain a $1,500 minimum daily balance, we’ll waive the $10 monthly service charge.

Overdraft Protection

Avoid overdrafts with these convenient services:

  • Personal Reserve Account (PRA): A line of credit that is automatically accessed if your checking account has a negative balance. There is a $25 annual fee for this service and interest is charged on the outstanding balance of the line of credit.  This line of credit is subject to approval.  The rate is 17% APR and is subject to change.
  • Savings Overdraft Protection: Transfer funds automatically from your Regular Savings or Money Market Account if your checking account has a negative balance. There is a $10 fee each time this service is used.

uChoose Rewards

Get rewarded for using your debit card with uChoose Rewards. This program assigns points to purchases, and lets you accumulate points that can then be redeemed for gift cards, merchandise and more.

  • There's thousands of ways to spend your points!
  • Earn one point for every $4.00 spent using your debit card
  • At least 1,500 points must be earned to redeem rewards
  • Points are valid for 3 Years
  • Enrolling is simple.  Click here to get started!
  • Already enrolled, but need to check your points balance?  Click here to log in.


Personal Reserve Account Overdraft Protection*

  • Savings Overdraft Protection

*Talk to your Personal Banker about our Personal Reserve Account (PRA) or you may consider our Savings Overdraft Protection.  PRA Accounts are subject to credit approval and  subject to rate change.

Switching Banks is Easy

Transferring your accounts to Port Washington State Bank is easy with ClickSWITCH.

For more details, contact us at 262-284-4416.


CHECKING ACCOUNT BALANCING SHEET — click here to download a PDF file.