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
| 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 | Yes, Tiered |
| 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. |
