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Personal Checking Accounts

Regular

   
   
  • $100.00 minimum balance to open
  • Monthly Service Charge: A $1.00 maintenance fee plus $.20 charge for each check posted during the statement cycle & $.50 per ATM transfer or withdrawal. If average balance is $1,000.00 or more for the entire month of your statement cycle, there will be no monthly service charge for that month.

High Activity

  • $100.00 minimum balance to open
  • Monthly Service Charge: An $8.00 maintenance fee with unlimited check writing plus $.50 per ATM transfer or withdrawal.

Student Account

  • $100.00 minimum balance to open
  • Must be a student over 14 and under the age of 23 to qualify for this account. At age 23 the account will automatically be changed to a regular account unless notified that a different type of account is desired.
  • Monthly Service Charge: $.50 per ATM transfer or withdrawal. No monthly maintenance fee.

Senior Citizen Account

  • $100.00 minimum balance to open
  • Must be 65 years & better.
  • Monthly Maintenance Fee:$.50 per ATM transfer or withdrawal. No monthly service charge.

Now Account

  • $500.00 minimum balance to open
  • This is a variable rate account. Please call for current rate information or click to link to Rates Page
  • Monthly Service Charge: No monthly maintenance fee if a balance of $500.00 is maintained every day of the month. A fee of $2.00 per month plus $.20 per check is charged when the balance goes below $500.00

Super Now Account

  • $1000.00 minimum balance to open.
  • This is a variable tiered rate account. Please call for current rate information or click to link to Rates Page.
  • Monthly Service Charge: No monthly maintenance fee if a balance of $5000.00 is maintained every day of the month. A fee of $5.00 is charged when the balance goes below $5,000.00.

Priority Plus Account

  • $300.00 minimum balance to open
  • Must be 50 years & better
  • This is a variable tiered rate account. Please call for current rate information or click to link to Rates Page.
  • Monthly Service Charge: No monthly maintenance fee if a balance of $300.00 is maintained every day of the month. A fee of $8.00 is charged when the balance goes below $300.00.

Business Checking Accounts

  • $100.00 minimum balance to open
  • Most Business Checking Accounts are service charged using an account analysis.

Plattsmouth State Bank account analysis differs significantly from the usual monthly bank statement. In addition to being a bill for your bank's services, an analysis:

  • shows the balances that were available during the month;
  • tells the price of the various services that the bank performed for your company;
  • indicates whether you have already paid for these services with fees previously charged to your account or whether you owe the bank additional compensation.

With the analysis you can determine if your balances are being used cost efficiently or if adjustments are needed.

An example of how the analysis could work:

Suppose the analysis called for an average daily balance of $3,000 to offset your normal activity level to avoid charges. You find that your available balance averaged closer to $5,000. You might decide to place that extra $2,000 in an interest bearing account, pay down a loan or apply it to one of your accounts payable.

Conversely, if service charges have increased, you may decide to allow your balance to build up for awhile in order to reduce, or eliminate the charges entirely.