Checking Accounts

Interest Bearing

Now Account Checking

$750 minimum balance. If your balance drops below $750 during the statement cycle, there will be a service charge fee of $5, plus $.25 per debit.
Interest paid monthly
Monthly statement
Bounce Protection limit of $750

Gold Club Checking

For people 50 years or older
$100 minimum balance.
If your balance drops below $100 any day during the statement cycle, there is a service charge fee of $5. Monthly statement. Interest is paid on balance.
Bounce Protection limit of $750.00.

Issued at no charge:

Deluxe specialty checks
Money Orders and Cashiers Checks

Rewards Checking

No monthly fees.
No minimum balance.
$50 initial deposit.
To earn the E-Rates, perform the following each month:

Make at least 10 debit card point-of-sale transactions (excluding ATM transactions).
Receive a monthly Electronic Statement.
One direct deposit or ACH Auto Debit (transaction must be over $1.00).

If you do not meet the requirements per cycle, your account will function as a free checking account earning the Standard Rate.
Bounce Protection limit of $300.00.
For additional information, click here.
Click here to apply online.

FDIC Insured-Depositor’s Accounts are insured to at least $250,000 in accordance with FDIC Regulations.

Non-Interest Bearing

Free Checking

$50 initial deposit.
No minimum balance.
Monthly statement
No monthly or per check fee
Bounce Protection limit of $300

Club Checking

$100 initial deposit
No minimum balance
Monthly service charge fee of $5
Monthly statement
Unlimited check writing
Bounce Protection limit of $400

Issued at no charge:

Deluxe specialty checks
Money Orders and Cashiers Checks

FDIC Insured-Depositor’s Accounts are insured to at least $250,000 in accordance with FDIC Regulations.

Health Savings Account

$50 initial deposit
Monthly statement
Debit Card

Call for yearly contribution limits.

Additional Service Options
Shazam Debit Card

It looks like a credit card but works like a check. The Shazam card can be used anywhere Visa debit cards are accepted, as well as at ATM machines. The funds come directly out of your checking account.

To sign-up or if you have any questions, please call Stacy Garves at (608) 784-3911 or send us an e-mail.

Overdraft Protection

You can avoid overdraft fees by linking your savings account to your checking account. Funds are automatically transferred in $50 increments from your savings to your checking account when the balance falls below $0. The minimum transfer amount is $50. We also offer an Overdraft Protection line of credit to qualified applicants.

Additional Services

Home Branch internet banking

24-hour telephone banking

Automatic loan payments

Direct deposit

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. For more information please contact Coulee Bank or visit www.fdic.gov.

Beginning July 1, 2010 Coulee Bank will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in non-interest bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.