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Personal Checking Accounts

All Checking Accounts come with the following:

  • Free Online Banking
  • Free Mobile App
  • Free MyBill Pay
  • Free Mobile Deposit
  • Free Wallet2Wallet Transactions
  • Free ATM or Debit Card (Contactless or MyPic) with access to over 4,200 ATMs
  • Unlimited Check Writing
  • Monthly Statements
  • Overdraft Privilege & Protection; fees may be imposed
  • Notary Services Available

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Premier Checking

No Monthly Service Charge or Minimum Balance

Premier Plus Checking

Interest Compounded Daily

No charge for Cashier's Checks Up to 3 free per day

$500 Minimum Daily Balance

$7.50 service charge applies if account balance falls below $500 any time during statement cycle

Premier 55+ Checking

Must be at least 55 Years Old

Free Gift Upon Account Opening

20% Discount on Safe Deposit Box Rental

Special club and social travel events

Premier Student Checking

Monthly E-Statement delivery required

$100 Daily Minimum Account Balance

Free ATM/Debit Card with Daily Transaction Limits


Premier Checking Account

Premier Checking is Clay County Savings Bank’s free checking account with no monthly service charge and no monthly minimum account balance to maintain.

Premier Plus Checking Account

Our Premier Plus Checking Account is an interest-bearing checking account with these features:

  • Interest is compounded daily
  • Includes up to two free wallet or discounted duplicate specialty blue check orders per year (customer pays just the standard shipping and taxes per order)
  • No charge for Cashier’s Checks (up to 3 free per day)
  • Minimum daily account balance requirement of only $500 to avoid a monthly service charge
    • A $7.50 service charge applies if your account balance falls below $500 (but is at least $250) any time during a statement cycle
    • A $10 service charge applies if your account balance falls below $250 any time during a statement cycle.

Premier 55 Checking

Our Premier 55 is our checking account for customers who are 55 years of age or older; this Checking Account has all the same features of our interest-bearing Premier Plus checking account, plus the benefit of no minimum account balance.

Added perks include:

  • A free gift at account opening
  • Up to two free wallet or duplicate style specialty blue personalized check orders per year
    • Customer just pays standard shipping and taxes per order
  • A 20% discount on safe deposit box rental
  • Special club and social travel events

Premier Student Checking

Going away to school is difficult to do these days without a checking account. Our Premier Student Checking account is designed with young people in mind. Features include:

  • $100 daily minimum required account balance
  • Monthly E-Statement delivery required
  • Free ATM/Debit Card with daily transaction limits