Checking Accounts

At Bank of 1889, we have a checking account to serve your needs. By offering a variety of accounts with many different options and benefits, you can choose the perfect account for how you bank.

Personal Checking Accounts

Compare Accounts

Start Fresh Basic

Minimum to Open: $50

Service Charge: $9.95*, $3 discount with direct deposit

Overdraft protection Limit: N/A

Check Card Fee: $0

Transaction Limit: No check writing - debit card only

Interest Accrued: N/A

Start Fresh Checking

Minimum to Open: $50

Service Charge: $9.95*, $3 discount with direct deposit

Overdraft protection Limit: N/A

Check Card Fee: $0

Transaction Limit: Unlimited

Interest Accrued: N/A

Regular Checking

Minimum to Open: $100

Service Charge: $5 if average daily balance less than $500

Overdraft protection Limit: $500 (w/approval)1

Check Card Fee: $0

Transaction Limit: Unlimited 

Interest Accrued: N/A

Ozark Classic

Minimum to Open: $100

Service Charge: $03

Overdraft protection Limit: $500 (w/approval)1

Check Card Fee: $0

Transaction Limit: Unlimited 

Interest Accrued: Paid monthly on minimum daily balance of $1000 at current rate2

Additional Benefits: Free Checks

NOW Account

Minimum to Open: $100

Service Charge: $7.50 if balance falls below $10004

Overdraft protection Limit: $500 (w/approval)1

Check Card Fee: $0

Transaction Limit: Unlimited 

Interest Accrued: Paid monthly on minimum daily balance of $1000 at current rate2

Privilege

Minimum to Open: $100

Service Charge: $0

Overdraft protection Limit: $300 (w/approval)1

Check Card Fee: $0

Transaction Limit: Unlimited 

Interest Accrued: N/A

Insured Money Fund

Minimum to Open: $2500

Service Charge: $7.50 if balance falls below $10004

Overdraft protection Limit: N/A

Check Card Fee: N/A

Transaction Limit: 6 withdrawals per statement cycle w/a minimum transfer amount of $250

Interest Accrued: Paid monthly at current rate2

Personal Checking Accounts Comparison Chart

All Bank of 1889 checking accounts come with FREE Online Banking, Mobile Banking, Bill Pay, Touch Tone Banking, and customer service assistance.

Product

Start Fresh Basic

Start Fresh Checking 

Regular Checking

Ozark Classic

NOW Account

Privilege

Insured Money Fund

Minimum to Open

 $50

$50 

$100

$100

$100

$100

$2500

Service Charge
  •  $9.95*
  • $3 discount with direct deposit
  • $9.95**
  • $3 discount with direct deposit

 

$5 if average daily balance less than $500

$0 3

$7.50 if balance falls below $10004

$0

$7.50 if balance falls below $10004

Overdraft protection Limit

 N/A

N/A 

$500 (w/approval)1

$500 (w/approval)1

$500 (w/approval)1

$300 (w/approval)1

 N/A

Check Card Fee

 $0

$0

$0

$0

$0

$0

N/A

Transaction Limit

No check writing - debit card only

Unlimited 

Unlimited

Unlimited

Unlimited

Unlimited

6 withdrawals per statement cycle w/a minimum transfer amount of $250

Interest Accrued

 N/A

N/A 

N/A

Paid monthly on minimum daily balance of $1000 at current rate2

Paid on minimum daily balance of $1000 at current rate2

N/A

Paid monthly at current rate2

Additional Benefits

Free Checks

 

 

 

X

 

 

 

*After 12 months you qualify for Start Fresh Checking account
**After 18 months you qualify for a traditional checking account
1 Some restrictions apply. See a Customer Service Representative
2 Current rates available upon request. Interest rate & annual percentage yield subject to change without notice
3Dormant account fee $5 per month with balance less than $100
4per statement cycle with minimum daily balance of $1000 or more.

Business Checking Accounts

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Small Business Checking Account

Minimum to Open: $100

Items Included: 1250 per monthly statement cycle; then $.05 per item.

Maintenance Fee: N/A

Interest Accrued: N/A

Commercial Checking Account

Minimum to Open: $100

Items Included: Per Debit Item: $.12; Per Credit Item: $.00; Out of town (transit) checks: $.06; On-us checks: $.00.

Maintenance Fee: $5 month + analysis

Interest Accrued: N/A

NOW Account1

Minimum to Open: $100

Items Included: Unlimited

Maintenance Fee: $7.50 if balance falls below $1,000.00 any day of the cycle.

Interest Accrued: Yes

Interest Bearing Business Account

Minimum to Open: $100

Items Included: Unlimited

Maintenance Fee: $7.50 if balance falls below $1,000.00 any day of the cycle.

Interest Accrued: Yes

IMF

Minimum to Open: $100

Items Included:  6 withdrawals per statement cycle with $250 minimum.

Maintenance Fee: $7.50 if balance falls below $1,000.00 any day of the cycle.

Interest Accrued: Yes

Business Checking Accounts Comparison Chart
 Products

Small Business Checking Account

Commercial Checking Account

NOW Account1

Interest Bearing Business Account

IMF 

Minimum to Open

$100

$100

$100

$100

$2500 

Items Included

1250 per monthly statement cycle; then $.05 per item
  • Per Debit Item: $.12
  • Per Credit Item: $.00
  • Out of town (transit) checks: $.06
  • On-us checks: $.00

Unlimited

Unlimited

 6 withdrawals per statement cycle with $250 minimum

Maintenance Fee

N/A

$5 month + analysis

$7.50 if balance falls below $1,000.00 any day of the cycle.

$7.50 if balance falls below $1,000.00 any day of the cycle.

 

$7.50 if balance falls below $1,000.00 any day of the cycle.

Interest Accrued

N/A

N/A

Yes

Yes

 Yes

1Now Account only available sole proprietorships, nonprofit organizations, and governmental units.