PERSONAL DEPOSIT ACCOUNT COMPARISON

Compare AccountsFree CheckingImage CheckingInterest CheckingRewards CheckingSenior CheckingSavings
Minimum Opening Deposit$100.00$100.00$1,000.00 $100.00$100.00$200.00
Minimum Balance$0.00$500.00$1,000.00 $0.000.00$200.00**
Monthly Maintenance Fees$0.00$6.00 if balance drops below minimum$10.00 if balance drops below minimum$0.00$0.00$2.00
Free Online Banking
Free Telephone Banking
Free ATM Use at Cowboy State Bank
Free Visa Check Card
Free ChecksFirst 40First 40First 40First 40All (any kind)
Free Cashiers Checks and Money Orders
Unlimited Check Writing
Overdraft PrivilegeSubject to approvalSubject to approvalSubject to approvalSubject to approvalSubject to approval
Monthly Statements
Quarterly
Check Images
Earnings
  • 0.10% APY* on balances
    $2,500 or more

  • 0.08% APY* on balances from $1,000 to $2,500

  • 0.05% APY* on balances from $0 to $1,000

  • 3.04% APY* on balances from $0 to $15,000

  • 0.50% APY* on balances available for balances above $15,00
1.76% APY* on all balances0.10% APY*
ConditionsIn order to receive the bonus rate, all of the following qualifications must be met**:
  • Sign up for eStatements

  • At least 1 ACH debit or credit per statement cycle

  • 10 debit card transactions per statement cycle

**If qualifications are not met, interest rate drops to 0.01% APY*
Exclusively for our customers aged 55 and over.6 withdrawals allowed per month; $1 per additional withdrawal

**Monthly fee waived for customers under 18 years of age

*APY = Annual Percentage Yield