Checking

• Open with as little as $100
• No monthly service fee when you maintain a minimum monthly average daily balance of $500¹
• Unlimited check writing with no per-check charges
• Monthly statements include check and deposit images for easy tracking
• Maintain a $2,000 balance in any personal deposit account to receive a complimentary box of checks upon reordering
• Experience financial freedom with our approved check card application—seamlessly access your funds at ATMs and MasterCard-accepting merchants nationwide with the SHAZAM Master Debit Card from Headwaters State Bank.

For those receiving Social Security Benefits or retirement income, our Retired Checking Account is tailored to fit your needs. 

• Open with as little as $100
• Unlimited check writing with no per-check charges
• No monthly service charge
• Monthly statements with check and deposit images
• Complimentary box of checks upon reordering when you maintain a $2,000.00 balance in any deposit account
  
• Experience financial freedom with our approved check card application—seamlessly access your funds at ATMs and MasterCard-accepting merchants nationwide with the SHAZAM Master Debit Card from Headwaters State Bank.

For full-time students facing financial challenges, our Student Checking Account is tailored to provide flexibility and ease. Open with just $100, and enjoy the following benefits upon verification of full-time enrollment at an accredited school (12 credit minimum):

• Open with as little as $100
• Verification of full-time enrollment at an accredited school (12 credit minimum is required)
• Unlimited check writing with no per-check charges
• No monthly service charge and no minimum balance requirements
• Annual verification of enrollment with the option to transition to the Basic Checking Account upon graduation or completion.
• Monthly statements with check and deposit images for easy tracking
• Complimentary box of checks upon reordering when you maintain a $2,000.00 balance in any deposit account
  
• Experience financial freedom with our approved check card application—seamlessly access your funds at ATMs and MasterCard-accepting merchants nationwide with the SHAZAM Master Debit Card from Headwaters State Bank.

Make the most of your money with our NOW Account, offering unlimited check writing, no per-check charges, and a competitive interest rate upon a $1,000.00 opening deposit (check current rates here). Here's what you get with our NOW Account:

• Unlimited check writing with no per-check charges
• Competitive interest rate (click here for current rates)
• $1,000 opening deposit requirement
• No monthly service charge if you maintain a minimum daily balance of $1,000¹
  
• Monthly compounding and crediting of interest
• Monthly statements with check and deposit images for easy tracking
• Complimentary box of checks upon reordering when you maintain a $2,000.00 balance in any deposit account
  
• Experience financial freedom with our approved check card application—seamlessly access your funds at ATMs and MasterCard-accepting merchants nationwide with the SHAZAM Master Debit Card from Headwaters State Bank.