Personal Checking Accounts

Choose Your Checking Account

Many of us use our checking accounts almost every day. From making bill payments to buying groceries, your checking account is the cornerstone of your finances. Because your checking account is so important, we believe that you should have options to choose from when it comes to the checking account that will work best for your spending needs. Oak Bank offers three checking accounts for you to choose from, as well as resources that make it easy for you to get the most benefit from each of your accounts. Switch your accounts to Oak Bank to get the benefits you deserve.

Switch to Oak Bank Direct Deposit Authorization

Our Available Checking Accounts


Best If You Want:
Personal Checking Account	A no fuss account with access to all of Oak Bank’s value-added benefits.
Premier Checking Account	To earn interest by maintaining an account balance and have access to all of Oak Bank’s value-added benefits.
Go Green Checking Account	To earn interest on your checking account balance by using some of Oak Bank’s secure electronic services.
Earns Interest:
Personal Checking Account	N/A
Premier Checking Account	Yes, Tiered Call 608.441.6000 for current rates.
Go Green Checking Account	Yes, Tiered Call 608.441.6000 for current rates.
Check Writing or Withdrawals per Month
Personal Checking Account	Unlimited
Premier Checking Account	Unlimited
Go Green Checking Account	Unlimited
Monthly Service Fees:
Personal Checking Account	$7.95 service fee unless the account holder maintains a $1,000.00 average daily balance.
Premier Checking Account	$10.00 service fee unless the account holder maintains a $2,500.00 average daily balance.
Go Green Checking Account	$10.00 service fee unless the account holder maintains a $2,500.00 average daily balance.
iBank:
Personal Checking Account	Free
Premier Checking Account	Free
Go Green Checking Account	Free
iBillPay:
Personal Checking Account	Free
Premier Checking Account	Free
Go Green Checking Account	Free
Oak Bank Debit/Check Card:
Personal Checking Account	Free
Premier Checking Account	Free
Go Green Checking Account	Free
Extras:
Personal Checking Account	Direct Deposit
Premier Checking Account	Direct Deposit
Go Green Checking Account	Direct Deposit
ATMs:
Personal Checking Account	Oak Bank has teamed up with other participating community banks throughout Wisconsin to offer surcharge-free ATM cash withdrawals at "ATM Access" terminals statewide. Visit the ATM Access locator online or call 800-286-8113 to find an ATM near you.
Premier Checking Account	Oak Bank has teamed up with other participating community banks throughout Wisconsin to offer surcharge-free ATM cash withdrawals at "ATM Access" terminals statewide. Visit the ATM Access locator online or call 800-286-8113 to find an ATM near you.
Go Green Checking Account	Oak Bank has teamed up with other participating community banks throughout Wisconsin to offer surcharge-free ATM cash withdrawals at "ATM Access" terminals statewide. Visit the ATM Access locator online or call 800-286-8113 to find an ATM near you.
The Fine Print:
Personal Checking Account	N/A
Premier Checking Account	N/A
Go Green Checking Account	To qualify for this account, establish use of iBank and eStatements, and then choose two of the following: Direct Deposit, iBillPay, and/or debit card.
Rate Details:
Personal Checking Account	N/A
Premier Checking Account	Interest will be credited and compounded to your account monthly. The interest rate and annual percentage yield may change at any time at the Bank’s discretion with no limitations on the rate changes.
Go Green Checking Account	Interest will be credited and compounded to your account monthly. The interest rate and annual percentage yield may change at any time at the Bank’s discretion with no limitations on the rate changes.
Rate Details: (cont.)
Personal Checking Account	N/A
Premier Checking Account	Interest begins to accrue on the business day you deposit non-cash items (for example, checks) to your account.
Go Green Checking Account	Interest begins to accrue on the business day you deposit non-cash items (for example, checks) to your account.
Rate Details: (cont.)
Personal Checking Account	N/A
Premier Checking Account	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Go Green Checking Account	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Rate Details: (cont.)
Personal Checking Account	N/A
Premier Checking Account	If you close your account before interest is credited, you will not receive the accrued interest.
Go Green Checking Account	If you close your account before interest is credited, you will not receive the accrued interest.

	Personal Checking Account	Premier Checking Account	Go Green Checking Account
Best If You Want:	A no fuss account with access to all of Oak Bank’s value-added benefits.	To earn interest by maintaining an account balance and have access to all of Oak Bank’s value-added benefits.	To earn interest on your checking account balance by using some of Oak Bank’s secure electronic services.
Earns Interest:	N/A	Yes, Tiered Call 608.441.6000 for current rates.	Yes, Tiered Call 608.441.6000 for current rates.
Check Writing or Withdrawals per Month	Unlimited	Unlimited	Unlimited
Monthly Service Fees:	$7.95 service fee unless the account holder maintains a $1,000.00 average daily balance.	$10.00 service fee unless the account holder maintains a $2,500.00 average daily balance.	$10.00 service fee unless the account holder maintains a $2,500.00 average daily balance.
iBank:	Free	Free	Free
iBillPay:	Free	Free	Free
Oak Bank Debit/Check Card:	Free	Free	Free
Extras:	Direct Deposit	Direct Deposit	Direct Deposit
ATMs:	Oak Bank has teamed up with other participating community banks throughout Wisconsin to offer surcharge-free ATM cash withdrawals at "ATM Access" terminals statewide. Visit the ATM Access locator online or call 800-286-8113 to find an ATM near you.	Oak Bank has teamed up with other participating community banks throughout Wisconsin to offer surcharge-free ATM cash withdrawals at "ATM Access" terminals statewide. Visit the ATM Access locator online or call 800-286-8113 to find an ATM near you.	Oak Bank has teamed up with other participating community banks throughout Wisconsin to offer surcharge-free ATM cash withdrawals at "ATM Access" terminals statewide. Visit the ATM Access locator online or call 800-286-8113 to find an ATM near you.
The Fine Print:	N/A	N/A	To qualify for this account, establish use of iBank and eStatements, and then choose two of the following: Direct Deposit, iBillPay, and/or debit card.
Rate Details:	N/A	Interest will be credited and compounded to your account monthly. The interest rate and annual percentage yield may change at any time at the Bank’s discretion with no limitations on the rate changes.	Interest will be credited and compounded to your account monthly. The interest rate and annual percentage yield may change at any time at the Bank’s discretion with no limitations on the rate changes.
Rate Details: (cont.)	N/A	Interest begins to accrue on the business day you deposit non-cash items (for example, checks) to your account.	Interest begins to accrue on the business day you deposit non-cash items (for example, checks) to your account.
Rate Details: (cont.)	N/A	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Rate Details: (cont.)	N/A	If you close your account before interest is credited, you will not receive the accrued interest.	If you close your account before interest is credited, you will not receive the accrued interest.