Checking

We offer a wide variety of checking accounts to fit your specific banking needs.

All of our checking accounts include:

  • No ATM/Visa Check Card Annual Fee
  • Free Internet Banking
  • Free E-Statements
  • Free Email Alerts
  • Free Check Safekeeping
  • Online Bill Pay
  • Free ATM Network Fees at PWSB seven owned and operated machines or ATM Access Terminals
  • Personal Reserve Account Overdraft Protection Available*
  • Savings Overdraft Protection Available
  • 24 Hour Telephone Banking

*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.

CHECKING ACCOUNT BALANCING SHEET — click here.

_______________________________________________________________________________________________________________________________________________________________________________________________________________

BUILT FOR YOU CHECKING—click here to apply now!

This checking option is flexible, so you can be too.

Built for you, a checking account where you can choose from many options to avoid monthly fees by selecting electronic statements (e-statements) and one of the following four services:
            - Direct Deposits
            - Minimum Balance of $750
            - Related Deposits of $2500 or greater
            - Loan Relationship

- $8 monthly maintenance fee is applied if none of the four requirements are met

- Free electronic statements (e-statements), paper statements available for a monthly fee of $3

- One free box of checks per year for customers age 62+

- $25 minimum balance to open account


INTEREST CHECKING—click here to apply now!

This account includes all of our great checking benefits plus interest bearing features.

-
Interest earned and added to your account each month (interest rates subject to change weekly)

- Account holder must maintain either: 
           - a minimum daily balance of $1000  
           - an average daily balance of $1500 
           - related deposit account(s) of $3500

- $10 monthly maintenance fee is applied if none of the three requirements are met

- Free electronic statements (e-statements), paper statements available for a monthly fee of $3

- One free box of checks per year for customers age 62+

- $25 minimum balance to open account


STUDENT CHECKING—click here to apply now!

Students, we get it! You need easy, free checking, which is why we've built this package just for you.

-
Free electronic statements (e-statements), paper statements available for a monthly fee of $3

- No monthly maintenance or transaction fee 
           - No minimum balance required

- $25 minimum balance to open account

- Check out our Student Savings Account and College Rewards VISA Credit Card!


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 Statement Savings or Money Market Account if your checking account has a negative balance. There is a $10 fee each time this service is used.

ACCOUNT TRANSFER KIT

Transferring your accounts to Port Washington State Bank is easy.

To get started:

  • Print and complete the simple forms located at the bottom of this page.
  • Bring two forms of ID (Driver’s License and one other form) and the completed forms to any PWSB location.

If you have any questions, please contact one of our bankers.


PERSONAL INTERNET BANKING

Your banking needs don’t always occur between 9-5. Access your accounts quickly and easily with our 24/7 Internet Banking. Learn more.