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Personal Checking

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Free Checking, Online Checking and NOW Checking

Your financial needs are unique, and we believe your checking account should be too. Titonka Savings Bank offers a variety of personal checking accounts for you to choose from to fit any lifestyle:

Regular Checking

Regular Checking is a great solution for students 24 years old and under, customers age 62 or better and non-profit organizations. Service charges are waived for these customers fitting in those groups. Regular Checking also comes with an optional SHAZAMChek debit card and free check images with your monthly statements. Contact Titonka Savings Bank today for more information about Regular Checking.

Minimum Opening Balance:  $100
Daily Minimum Balance Required to Waive Service Charge:  $500
Monthly Service Charge:  $7.50
Excess Item Charge:  $0.20 per debit in excess of 35 in a statement cycle
Interest Paid:  None
ShazamChek Debit Card Initial Card Fee:  $7.50
ShazamChek Debit Card Monthly Card Fee: $1.50
Non-Shazam Network Inquiry/Transfer/Withdrawals:  $1.00 per item over 5
Overdraft Item: $25.00
Insufficient Funds:  $25.00
 

Free Checking

A simple, low-cost no frills checking account, Free Checking offers no minimum balance to avoid charges and a low $100 minimum deposit to open. If you choose, you can access your account via check and a SHAZAMCheck debit card. Overdraft Defender is available for those who qualify. Contact your Titonka Savings Bank today to learn more about Free Checking.

Minimum Opening Balance:  $100
Daily Minimum Balance Required to Waive Service Charge:  Not Applicable
Monthly Service Charge:  $0
Excess Item Charge:  None
Interest Paid:  None
ShazamChek Debit Card Initial Card Fee:  $7.50
ShazamChek Debit Card Monthly Card Fee: $1.50
Non-Shazam Network Inquiry/Transfer/Withdrawals:  $1.00 per item over 5
Overdraft Item: $25.00
Insufficient Funds:  $25.00

Electronic Checking

This account is for you if you like receiving your paychecks electronically. Access to the account is restricted to your SHAZAMChek debit card, so each check is assessed a fee. With a no minimum account to open and no debit card fees, Electronic Checking is a great solution for those who prefer using technology to help them bank. Contact Titonka Savings Bank for more information about Electronic Checking.

Minimum Opening Balance:  $0
Daily Minimum Balance Required to Waive Service Charge:  Not Applicable
Monthly Service Charge:  $5.00
Excess Item Charge:  $5.00 per non-electronic item over 0
Interest Paid:  None
ShazamChek Debit Card Initial Card Fee:  $0
ShazamChek Debit Card Monthly Card Fee: $0
Non-Shazam Network Inquiry/Transfer/Withdrawals:  $1.00 per item over 5
Overdraft Item: $25.00
Insufficient Funds:  $25.00

NOW Checking

An interest-bearing relationship account, NOW Checking rewards customers for their deposit relationship with us. No service charge is levied if the daily minimum balance stays above $750.00 OR a combined deposit account balance is $10,000 or higher. In addition to tiered interest, NOW Checking also offers free check images on your statements and an optional SHAZAMCheck debit card. Contact Titonka Savings Bank today for more information regarding NOW Checking.

Minimum Opening Balance:  $100
Daily Minimum Balance Required to Waive Service Charge:  $750 or Combined Deposits over $10,000
Monthly Service Charge:  $10.00
Excess Item Charge:  $0.20 per debit in excess of 35 in a statement cycle
Interest Paid:  Yes
Interest Tiers:  Yes

ShazamChek Debit Card Initial Card Fee:  $7.50
ShazamChek Debit Card Monthly Card Fee: $1.50
Non-Shazam Network Inquiry/Transfer/Withdrawals:  $1.00 per item over 5
Overdraft Item: $25.00
Insufficient Funds:  $25.00

Premier Checking Account

Our high-level checking account, Premier Checking comes with many advantages. In addition to earning tiered interest and getting free check images on statements, Premier Checking offers:

- A free small safety deposit box if available
- Free TSB Bank credit card
- Free Corporate Checks
- Overdraft Defender Protection

Contact Titonka Savings Bank for more information about the Premier Checking Account.

Minimum Opening Balance:  $100
Daily Minimum Balance Required to Waive Service Charge:  $3,000.00
Monthly Service Charge:  $9.00
Excess Item Charge:  None
Interest Paid:  Yes
Interest Tiers:  Yes

ShazamChek Debit Card Initial Card Fee:  None
ShazamChek Debit Card Monthly Card Fee: $1.50
Non-Shazam Network Inquiry/Transfer/Withdrawals:  $1.00 per item over 5
Overdraft Item: $25.00
Insufficient Funds:  $25.00

Checking Account Comparison

All checking accounts from Titonka Savings Bank also come with a long list of additional services and benefits to help with your personal financial management:  

  • Online Banking
  • Online Bill Pay 
  • Mobile Banking        
  • eStatements     
  • Identity Theft 911   
  • Dial-A-Bank
  • Direct Deposit
  • Telephone Transfers
  • And much more!
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