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BASIC CHECKING

This account was designed with you in mind. The Basic Checking Account can be opened with a $100.00 deposit and provides unlimited check writing with no per-check charges. Maintain a $500.00 monthly average balance in your Basic Checking and receive no monthly service charge. If your average monthly balance is less than $500.00 a $10.00 service charge will be drawn from your account on the last business day of the month. We will provide a monthly statement that includes images of your checks and deposits for your convenience. Please review your statement and balance your account each and every month. Maintain a balance of $2,000.00 in any single personal deposit account and receive one box of complimentary checks at time of re-order. Upon approved check card application, the Basic Checking provides debit card possibilities. Headwaters State Bank provides STAR MasterDebit Cards. Star Systems (STAR) a First Data company is a leading electronic payments network and expert in secure, real-time electronic transaction processing. As the largest PIN-secured debit network in the U.S., STAR provides our debit card holders with account access at ATMs and merchant locations where MasterCard is accepted across the United States of America.
NOTE: Never give out your P.I.N. (Personal Identification Number) to anyone. During non-banking hours any LOST or STOLEN debit card may be reported by calling 1-800-523-4175
.

retired checking

This account is the perfect checking solution for anyone receiving Social Security Benefits or payments from their 401K or Pension Plan. Upon verification of receipt of retirement income, we can open your Retired Checking Account with a $100.00 deposit. We offer unlimited check writing, no per-check charges and no monthly service charge. We will provide a monthly statement that includes images of your checks and deposits for your convenience. Please review your statement and balance your account monthly. Maintain a balance of $2,000.00 in any single personal deposit account and receive one box of complimentary checks at time of re-order. Upon approved check card application, the Retired Checking provides debit card possibilities. Headwaters State Bank provides STAR MasterDebit Cards. Star Systems (STAR) a First Data company is a leading electronic payments network and expert in secure, real-time electronic transaction processing. As the largest PIN-secured debit network in the U.S., STAR provides our debit card holders with account access at ATMs and merchant locations where MasterCard is accepted across the United States of America.
NOTE: Never give out your P.I.N. (Personal Identification Number) to anyone. During non-banking hours any LOST or STOLEN debit card may be reported by calling 1-800-523-4175.

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Student checking

We know that it can be difficult to make ends meet when you are a full time student. That is why we designed the Student Checking Account, which can be opened with as little as $100. With verification of full time enrollment (12 credit minimum) at an accredited school we can set you up with unlimited check writing, no per-check charges, no monthly service charge and no minimum balance requirements. We will contact you annually to verify your continued enrollment and upon graduation or termination of your enrollment, Headwaters State Bank reserves the right to maintenance your account to the Basic Checking Account. We will provide a written notice prior to making any changes on your account. We will provide a monthly statement that includes images of your checks and deposits for your convenience. Please review your statement and balance your account monthly. Maintain a balance of $2,000.00 in any single personal deposit account and receive one box of complimentary checks at time of re-order. Upon approved check card application, the Student Checking provides debit card possibilities. Headwaters State Bank provides STAR MasterDebit Cards. Star Systems (STAR) a First Data company is a leading electronic payments network and expert in secure, real-time electronic transaction processing. As the largest PIN-secured debit network in the U.S., STAR provides our debit card holders with account access at ATMs and merchant locations where MasterCard is accepted across the United States of America.
NOTE: Never give out your P.I.N. (Personal Identification Number) to anyone. During non-banking hours any LOST or STOLEN debit card may be reported by calling 1-800-523-4175. Headwaters State Bank will not establish an individual account for a minor child.

Now checking

The NOW Account offers unlimited check writing, no per-check charges and will help you maximize your money by paying a competitive interest rate (click here for current interest rates). The NOW account requires $1,000.00 to open and if you maintain a minimum daily balance requirement of $1,000.00 you will receive no monthly service charge. If your account balance falls below $1,000.00 at any time during the month, a $10.00 service charge will be drawn from the account on the last business day of the month. Interest will compound monthly and be credited to your account on a monthly basis. We will provide a monthly statement that includes images of your checks and deposits for your convenience. Please review your statement and balance your account monthly. Maintain a balance of $2,000.00 in any single personal deposit account and receive one box of complimentary checks at time of re-order. Upon approved check card application, the NOW Checking provides debit card possibilities. Headwaters State Bank provides STAR MasterDebit Cards. Star Systems (STAR) a First Data company is a leading electronic payments network and expert in secure, real-time electronic transaction processing. As the largest PIN-secured debit network in the U.S., STAR provides our debit card holders with account access at ATMs and merchant locations where MasterCard is accepted across the United States of America.
NOTE: Never give out your P.I.N. (Personal Identification Number) to anyone. During non-banking hours any LOST or STOLEN debit card may be reported by calling 1-800-523-4175.

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