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Personal Checking Accounts

Montezuma State Bank has a wide variety of checking account products available for our customers. Choosing the account that best fits your needs is important to ensure you are getting the most beneficial product. The following checking accounts are available:

Regular Savings $400 Minimum Balance Checking NOW Account Super NOW Account Senior Citizen Checking Student Checking
Minimum to Open $100.00 $400.00 $1000.00 $2500.00 $100.00 No minimum to open
Interest Bearing No No Yes Yes No No
Debit Card Eligible Yes Yes Yes Yes Yes Yes
Check Ordering Yes Yes Yes Yes Yes Yes
Minimum Balance Requirement No Yes; $400.00 minimum daily balance Yes; $1,000.00 minimum daily balance Yes; $2,500.00 minimum daily balance No No
Monthly Service Charge $0.30 for each debit transaction $0.30 for each debit transaction if minimum balance requirements are not met $0.30 for each debit transaction if minimum balance requirements are not met $0.30 for each debit transaction if minimum balance requirements are not met Service charge fees will not apply to senior citizens when all persons on the account are 65+ Service charge fees will not apply to student checking accounts
Minimum Balance Fee No $5.00 charge per month if minimum balance requirements are not met $8.00 charge per month if minimum balance requirements are not met $8.00 charge per month if minimum balance requirements are not met No No

All of our accounts have the following features available:

Contact Montezuma State Bank at 641-623-5766 for more information on which account option would benefit you and your needs.

All checking products and services are subject to applicable customer agreements, terms and conditions. Bank rules and regulations apply. Full disclosure of our checking account specifications will be made on request or at the time of account opening.