Coleman County State Bank
 

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Personal Banking

Checking

Coleman County State Bank is committed to making all of your banking needs as simple and convenient as possible. We offer a variety of checking accounts to suit your individual financial needs.

Rewards Checking Apply Now | Current Rates | Contact Us

Coleman County State Bank would like to introduce our newest product to show our appreciation for our customers. The Rewards Checking Account is great for those who actively use a checking account and would like to earn a great interest rate.

  • Earn 0.75% APY*
  • FREE ATMs nationwide**
  • No minimum balance to earn rate
  • No monthly service charge
  • FREE Check Cards
  • FREE Online Banking
  • FREE Bill Pay
  • Overdraft privilege protection for qualifying accounts
  • (Click for fees and details)
  • Minimum balance to open is $100.00

With the Rewards Checking Account, you will earn 0.75% APY* on your average balance up to $25,000.00 and 0.50% APY* on the portion of your balance over $25,000.00. 

3 Easy Steps:

  • Have at least 10 check-card purchases post and clear your account each qualification cycle
  • Have one direct deposit or automatic payment post and clear your account each qualification cycle
  • Enroll and receive an electronic statement

Complete the 3 Steps to Receive:

  • 0.75% APY* on your balance up to $25,000.00
  • 0.50% APY* on the portion of your balance over $25,000.00
  • FREE ATMs nationwide**

If you are unable to complete the Three Steps during the statement cycle:

  • You will still earn 0.05% APY* on your FREE checking balance!
  • Your ATM fees cannot be reimbursed.
  • Regardless of the requirements, you will receive the bonus rate of 0.75% APY* with your first month.

Out-of-State or Multiple Accounts:

  • Coleman County State Bank no longer accepts Out-of-State Rewards Checking Accounts.
  • Rewards Checking Accounts are limited to one account per social security number.
            Note: a husband and wife could have two Rewards Checking Accounts. They may 1) have two separate Rewards Checking Accounts, one listed under each social security number; or 2) they may share one joint Rewards Checking Account, and then whichever spouse is not listed as the primary owner on the joint account could be listed as the primary owner on another Reward Checking Account.

*Rewards Rate 0.75% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.50% APY paid on all amounts above $25,000 each cycle the minimum qualifications are met. Bonus rate qualifications per cycle: 10 check card transactions post and clear your account, one direct deposit or ACH auto debit, enroll and receive electronic statements. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.05% APY; however, it will not receive ATM fee refunds for that time period. Rates as of April 19, 2017. We may change the interest rate and APY at any time after the account is opened. No minimum balance required; however, you must deposit a minimum of $100 to open this account. Available to personal accounts only. No monthly service charge. 
**Up to 10 domestic ATM refunds.

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Regular Checking Apply Now | Current Rates | Contact Us

The Regular Checking Account is a classic account for customers of Coleman County State Bank.

  • FREE for average monthly balances of over $1,000.00
  • Service charge is based on average balance:
    • Average balance up to $500.00 = $6.50 service charge
    • Average balance $500.01 to $1,000.00 = $5.50 service charge
  • No minimum balance required
  • FREE unlimited check writing
  • Overdraft privilege protection for qualifying accounts
  • (Click for fees and details)
  • FREE Check Cards
  • FREE Online Banking
  • FREE Bill Pay
  • Detailed monthly statement with check images
  • No service charge for churches, non-profit organizations, and public funds
  • Minimum balance to open is $100.00

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Senior Checking Apply Now | Current Rates | Contact Us

The Senior Checking Account is a classic account for customers of Coleman County State Bank who are over 65 years of age. The account has the same benefits as the Regular Checking Account with no service charge.

  • No minimum balance required
  • FREE unlimited check writing
  • Overdraft privilege protection for qualifying accounts
  • (Click for fees and details)
  • FREE Check Cards
  • FREE Online Banking
  • FREE Bill Pay
  • Detailed monthly statement with check images
  • No service charge for over age 65
  • Minimum balance to open is $100.00

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Free Checking Apply Now | Current Rates | Contact Us

Get all of the convenience of a checking account without paying any fees with Coleman County State Bank's Free Checking Account.

  • No monthly service charge 
  • No minimum balance required
  • FREE unlimited check writing
  • FREE Check Cards
  • FREE Online Banking
  • FREE Bill Pay   
  • Overdraft privilege protection for qualifying accounts    
  • (Click for fees and details)
  • Detailed monthly statement without check images
  • Minimum balance to open is $100.00

Platinum Check Club Checking Apply Now | Current Rates | Contact Us

The Platinum Check Club account has all the benefits of a regular checking account with extra perks!

  • Accidental Death and Dismemberment Insurance
  • Service Charge ranges from $8.50-$10.00 depending on insurance coverage
    • $10,000.00 Insurance Plan = $8.50 service charge
    • $20,000.00 Insurance Plan = $9.50 service charge
    • $30,000.00 Insurance Plan = $10.00 service charge
    • No additional statement service charges for Check Club Customers
  • FREE personalized stock checks
  • $5.00 discount off of first year's safe deposit box rental fee
  • $5.00 discount off of 1 stop payment per month
  • No minimum balance required
  • FREE unlimited check writing
  • Prescription drug, vision care savings, shopping and dining, entertainment, hotel, and vacation discounts 
  • Discount on Identity Theft 911: if you become a victim of identity theft, you will be assigned to a highly-qualified personal advocate who is the single source of contact in helping you resolve your problem from start to finish.
  • Living Family Journal ($25 retail value): organize, record, and document personal, medical, and financial information with your Living Family Journal.
  • Overdraft privilege protection for qualifying accounts
  • (Click for fees and details)
  • FREE Check Cards
  • FREE Online Banking
  • FREE Bill Pay
  • Detailed monthly statement with check images
  • Minimum balance to open is $100.00

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Now Checking Apply Now | Current Rates | Contact Us

Coleman County State Bank’s Now Checking Account is an account that earns interest; and if you keep an average balance of $2,500.00 or more, it’s free to you!

  • FREE for average monthly balances over $2,500.00
  • Service charge of $6.50 if average balance is below $2,500.01
  • Interest is compounded monthly
  • No interest is paid if the average balance falls below $500.00
  • FREE unlimited check writing
  • FREE Check Cards
  • FREE Online Banking
  • FREE Bill Pay
  • Detailed monthly statement with check images
  • Minimum balance to open is $500.00

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Coleman County State Bank. Member FDIC. Equal Housing Lender.