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Personal Checking Account Options

What We Do for U Checking

Earn a superhero rate and get unlimited nationwide ATM fee refunds! All you have to do is meet the monthly account qualifications. To learn more about this account click here.

Direct Checking

Enjoy a no minimum balance checking account with the convenience of direct deposit.


This checking account offers many great electronic features to make banking a breeze. An easy choice for people on the go.

Insure Checking

Provides peace of mind knowing you will receive the help you need in the event that your identity is stolen. Insure checking offers a variety of account options that best fit your needs.  We offer Basic Identity Theft Insurance with Deluxe Provent® Identity Theft Protection.


Features of Deluxe Provent® Identity Theft Protection Include:

  • Access to dedicated, certified Resolution Specialists
  • Convenient 24/7 access to secure storage of your wallet contents
  • Assistance if you lose your wallet, experience fraud, or your identity has been compromised
  • Help to recover your identity to pre-theft status
  • Access to a one-time scan of your name and address

NOW Checking

This account allows you to earn interest at a competitive rate, while maintaining a low minimum balance.

Advantage Checking

Enjoy many financial benefits when you become a member of the Advantage Club. See the chart below for the features and benefits of this account.

Health Savings Account

This checking account allows you to save and pay for qualified medical expenses that are incurred after you are actively enrolled in a qualified high deductible health plan (HDHP). Funds in the account can be used to pay for qualified out-of-pocket medical expenses or used during retirement once enrolled in Medicare. For more information about Health Savings Accounts please visit the US Department of Treasury by clicking here.

Account Features and Benefits

Accounts What We Do for U Checking Direct Checking eChecking Insure Basic, Regular, NOW NOW Advantage Health Savings


Apply! Apply! Apply! Apply! Apply! Apply! Apply!

Minimum balance to open

$100 $100 $0 $0 $0 $0 $0

Club checks

No No No No No Yes No

Unlimited check writing

Yes Yes Limited to 5 per month Yes Yes Yes Yes

Interest bearing

Yes No No NOW only Yes Yes Yes

Identity theft protection

No No No Yes No Yes No

Online banking

Yes Yes Yes Yes Yes Yes Yes

Telephone banking

Yes Yes Yes Yes Yes Yes Yes

Bill payment*

Yes Yes Yes Yes Yes Yes Yes

Direct deposit

Yes Yes Yes Yes Yes Yes Yes

Safe deposit box discount (1 year free)

No No No No No Yes No

eStatements Available

Yes Yes Yes Yes Yes Yes Yes

Check images

No No No

Regular and NOW only
upon request

Upon request Upon request No

Money orders /cashiers checks Included

No No No No No Yes No

Stop payments Included

No No No No No Yes No

Telephone transfers Included

No No No No No Yes No

Visa® debit card*

Yes Yes Yes Yes Yes Yes Yes

Visa® credit card*

Yes Yes Yes Yes Yes Yes Yes

Minimum checking balance to avoid service fee

$0 $0 $0 $300 / $500 /$1,000 $750 $0 $0

Minimum total relationship to avoid service fee

$0 $0 $0 $0 $0 $5,000 $0

Monthly fee if qualifications are not met

$0 $10 $5 $3 / $5 / $7.50 $5 plus $0.15 per debit transaction $10 $0

 *All products and services are subject to bank/credit approval.

Current Rates

Click here to view our Current Rates.

Contact Us

If you have further questions, please contact any of Denmark State Bank’s locations for assistance or apply online today!