Photo of man and woman meeting with a banker

Personal Checking


SouthWest Bank offers a full menu of checking products to satisfy your personal banking needs. No matter how simple or complex, SouthWest Bank’s personal banking professionals can help you get started.



Freedom Checking

$250

Minimum to Open<br></br>
  • Electronic statements required and unlimited transactions.
  • Minimum Daily Balance Required to Obtain APY: N/A
  • Interest Paid: N/A
  • No Minimum Daily Balance Required to Avoid Service Charge

Monthly Service Charge:

No service charge with eStatements or for our customers 62 years old or over, or youth customers 21 years or under. Otherwise, $5.00 paper statement fee.

Personal Checking

$250

Minimum to Open
  • Unlimited transactions.
  • No minimum balance required to obtain APY: N/A
  • Interest Paid: N/A
  • $1,000.00 minimum daily balance required to avoid service charge.

Monthly Service Charge:

less than $499.99 = $12.00

$500 $699.99 = $9.00

$700 $999.99 = $7.00

StarChecking

$250

Minimum to Open
  • Unlimited transactions and $10,000.00 Accidental Death & Dismemberment (AD&D) Insurance.
  • No minimum daily balance required to obtain APY: N/A
  • Interest Paid: N/A
  • Minimum Daily Balance to Avoid Service Charge: N/A

Monthly Service Charge:

$10,000 AD&D and $20,000 Common Carrier Insurance = $10.00/month.


$20,000 AD&D and $40,000 Common Carrier Insurance = $11.00/month


$30,000 AD&D and $60,000 Common Carrier Insurance = $12.00/month
(fees for customers age 62 or older are $5.00, $5.50, and $6.00 respectively)

Elite Checking

$1,500

Minimum to Open
  • Unlimited transactions and interest bearing account*
  • $1,000 minimum daily balance to obtain APY
  • Interest Paid: Daily Balance Method**
  • $1,500 minimum balance to avoid service charge.

$12.00 monthly service charge.

Find Out More

* This account is an interest bearing account. The interest rate and annual percentage yield (APY) are included in the Rate Chart. The interest rate and APY may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

** This method applies a daily periodic rate to the collected principal each day your balance is above the stated account minimum. Interest begins to accrue no later than the business day the bank receives credit for your deposit.



Personal Checking


SouthWest Bank offers a full menu of checking products to satisfy your personal banking needs. No matter how simple or complex, SouthWest Bank’s personal banking professionals can help you get started.

Just need to reorder checks? Click here.



Account Type Minimum to Open Account Details Minimum Daily Balance to Obtain APY Interest Paid Minimum Daily Balance to Avoid Service Charge Monthly Service Charge
Freedom Checking $50.00 Unlimited transactions. N/A N/A No Minimum Balance Required eStatements (Electronic Statements) are required, paper statements will have a $5.00 fee per statement. The paper statement fee will not be charged to customers 62 years of age or older or 21 years of age or younger.
Personal Checking $50.00 Unlimited transactions. N/A N/A $1,000.00 Minmum Daily Balance – Monthly Service Charge
$499.99 or less – $12.00
$500 to $699.99 – $9.00
$700 to $999.99 – $7.00
$1,000 or greater – No Service Charge
Star Checking $250.00 Unlimited transactions and $10,000.00 Accidental Death & Dismemberment (AD&D) Insurance. N/A N/A N/A $10,000 AD&D and $20,000 Common Carrier Insurance – $10.00 per month
$20,000 AD&D and $40,000 Common Carrier Insurance – $11.00 per month
$30,000 AD&D and $60,000 Common Carrier Insurance – $12.00 per month
(fees for customers age 62 or older are $5.00, $5.50, and $6.00 respectively)
Elite Checking $1,500.00 Unlimited transactions and interest bearing account* $1,000.00 Daily Balance Method** $1,500.00 $12.00

 

Find Out More

* This account is an interest bearing account. The interest rate and annual percentage yield (APY) are included in the Rate Chart. The interest rate and APY may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
** This method applies a daily periodic rate to the collected principal each day your balance is above the stated account minimum.