Personal Checking

Clarkston State Bank is ready to assist you with your personal financial needs. We offer three types of personal checking account products and our experienced team is ready to help you select the one that will fit your needs.


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 the monthly maintenance fee 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 titled in the same name. Worried about going negative? No problem! We offer a $500.00 Courtesy Overdraft Protection to help cover those unforeseen payments.

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Interest Checking

The Clarkston State Bank Interest Checking account allows customers all of the benefits of a regular checking account, with the ability to earn interest. This account allows customers to earn interest based on the balance they keep in the account. With three enticing interest rate tiers, the more money the customer keeps, the more interest they earn.

Interest Rates & Tiers Interest Rate APY
Tier 1 $0 – $1,499.99 0.00% 0.00%
Tier 2 $1,500.00 – $4,999.99 0.05% 0.05%
Tier 3 $5,000.00 – $24,999.99 0.05% 0.05%
Tier 4 $25,000.00 & above 0.05% 0.05%
APY = Annual Percentage Yield
The interest rate stated is variable and may change after account opening.
Fees may also reduce earnings.
The minimum opening deposit for a Interest Checking account = $500.00
Rates and balance tiers for checking, savings, CDs and IRA CDs are applicable as of the effective date and may be subject to change at Clarkston State Bank’s discretion.

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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 ACH direct deposit each month and receiving your statements electronically will avoid the monthly $10.00 fee.

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Our personal checking accounts also provide the following additional FREE services:

  • Free Online Banking
  • Free Electronic Statements
  • Free Automatic Transfers
  • Free Mobile Web Banking App
  • Images of Checks available with online banking

Account Details


Features Classic Checking Interest Checking Electronic Checking
Minimum opening deposit $100 $500 $25
Per check fee None None None
Monthly maintenance fee $6 $10 $10***
Min balance to waive monthly maintenance fee $100 daily or $2,500 average relationship* $1,500 daily or $2,500 average relationship* Not applicable
Interest earned Not applicable Variable Not applicable
Minimum balance to earn interest Not applicable $1,500** Not applicable
Compounding method Not applicable Monthly Not applicable
Interest payment frequency Not applicable Monthly Not applicable
Statement cycle Monthly Monthly Monthly
Check printing Printing cost Printing cost Printing cost

* Relationship balances, including checking accounts, savings accounts, and certificates of deposit titled in the same names.
** Earns a variable rate of interest on a tiered rate schedule based on account balance.
*** Waived if account criteria is met. One Automated Clearing House (ACH) direct deposit transaction must occur each month and statements must be delivered electronically (no paper statements will be printed).

Courtesy Overdraft Protection

Courtesy Overdraft Protection is a convenient form of overdraft protection offered by Clarkston State Bank.  On qualified checking accounts, the Bank may “cover” up to $500 in overdraft checks for the customer.  There is a fee of $35 per draw on Courtesy Overdraft Protection but your payments are covered up to the $500 limit. You avoid the hassle of NSF Notices, and the fees from the other parties.


Reorder Checks

Deluxe is our preferred check printer. You will be securely transferred to their check ordering website.

Reorder Deluxe checks