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
       - ATM Access Terminals - http://community bankers.org/public-services/atm-access-finder.php
  • 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.  

FREE CHECKINGclick here to apply now!

Our Free Checking also includes:

  • Requires direct deposit or auto payment of PWSB loan
  • No service charge
  • Unlimited check writing
  • Free notary service

A minimum balance of  $25.00 is required to open account.


E-CHECKINGclick here to apply now!

Includes the services listed above for all checking accounts, plus:

  • Checks in excess of five per month are $1.00 each
  • Paper statements are $5.00 per month

A minimum balance of  $25.00 is required to open account.


REGULAR CHECKINGclick here to apply now!

Includes the services listed above for all checking accounts, plus:

  • Unlimited check writing
  • Requires a $300 minimum daily balance or $600 average monthly balance or a related savings account with $750 to avoid the $4.00 monthly maintenance fee and activity fees of $.20 per debit and $.50 per ATM transaction

INTEREST CHECKINGclick here to apply now!

Includes the services listed above for all checking accounts, plus:

  • Tiered rate account that earns interest monthly
  • Unlimited check writing
  • Requires a minimum daily balance of $750, an average daily balance of $1300 or a related savings account balance of $2,500 to avoid the $10 monthly maintenance fee and activity fees of $.20 per debit and $.50 per ATM transaction

PREMIER CHECKINGclick here to apply now!

Those 55 and over can enjoy all of our checking account benefits listed above, plus:

  • No monthly maintenance fee
  • Unlimited check writing
  • Direct deposit of Social Security checks 
  • Free notary service 

A minimum balance of  $25.00 is required to open account.


PREMIER INTEREST CHECKINGclick here to apply now!

Those 55 and over can enjoy all of our checking account benefits listed above, plus:

  • Unlimited check writing
  • Direct deposit of Social Security checks
  • Free notary service 
  • Requires a minimum daily balance of $750, an average daily balance of $1300 or a related savings account balance of $2,500 to avoid the $10 monthly maintenance fee and activity fees of $.20 per debit and $.50 per ATM transaction.

STUDENT BANKING PACKAGEclick here to apply now!

Student Banking includes all of our great checking account benefits along with:

  • Unlimited check writing
  • No monthly account or per transaction fees

A minimum balance of  $25.00 is required to open account.

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

Student Checking Account and Student Savings Account convert to a Regular Checking Account and Regular Savings Account when the account holder turns 24 years of age.


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.