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Checking

Clarkston State Bank offers three variations of Consumer Checking Accounts:

Classic Checking

Just as the name says this is a “Classic” Checking account.  Customers can open this versatile account with as little as $100.00 and can avoid all monthly maintenance fees by keeping their daily balance at $100.00.  Customers can also have their fees waived by keeping a combined average relationship balance of $2,500.00 in any combination of Checking, Savings, or CD accounts.  Worried about going negative?  No problem!  We offer a $500.00 Courtesy Overdraft Protection to help cover those unforeseen payments.*

Classic Checking
Minimum Opening Deposit $100.00
Maintenance Fee $6.00 a month if minimum daily balance falls under $100.00
Maintenance Fee Waived if Average relationship balance over $2,500.00
Telephone Transfer Fee $5.00 per transfer
Stop Pay Fee $30.00 per stop pay
   


*Subject to approval.

Electronic Checking

Our Electronic Checking account was designed for the individual who does not want to keep a minimum balance in their account. Just one direct deposit each month and receiving your statements electronically will avoid the monthly $10.00 fee.

Electronic Checking
Minimum Opening Deposit $25.00
Maintenance Fee $10.00 a month
Maintenance Fee Waived if Receiving Electronic statements and have one ACH direct deposit monthly.
Telephone Transfer Fee $5.00 per transfer
Stop Pay Fee $30.00 per stop pay
   

Interest Bearing Checking

The Clarkston State Bank Personal Interest Checking account allows customers all of the benefits of a regular checking account, with a generous interest rate as a bonus.  This account allows customers to earn interest based on the balances they keep with the Bank.  With three enticing interest rate tiers, the more money the customer keeps, the more interest they earn.  Contact your local branch for most current rates.

Personal Interest Checking
Minimum Opening Deposit $500.00
Maintenance Fee $10.00 a month if balance falls under $1,500.00
Maintenance Fee Waived if Average relationship balance over $2,500.00
Telephone Transfer Fee $5.00 per transfer
Stop Pay Fee $30.00 per stop pay
   
Rate Tiers
$0 - $1,499.99 – No interest
$1,500.00 - $4,999.99
$5,000.00 - $24,999.99
$25,000.00 or more