Checking Accounts

Monona Bank makes selecting a checking account simple with two great options – both offered with a variety of features to make banking safe, secure and convenient. Our experienced Banking Advisors will work with you to determine just the right combination of products and services you need without the hassles or fees other banks may charge. We’ll also take the time to educate you about all the tools that make banking with us easy, secure and convenient. 

We have options ranging from basic checking to maximum choices and rewards. To compare one or more of our checking account options, please see the table below. If you would like to learn more about one of our checking products stop in or give us call today.

Which checking account is best for you?

True Checking

arrow icon

True Checking is our account for clients who want a straightforward checking account they can personalize to their needs. After the $100 minimum opening deposit, there’s no minimum balance requirement to maintain the account. We know that checking accounts are meant to be used and your balance will fluctuate.

When we say True Checking, we mean it. Choose from popular products and services such as a debit card, savings account, online banking, credit card, eStatements and more to customize your checking package to meet your specific financial needs.

You will also receive a discount on your first box of checks – choose from a variety of check styles.

True Advantage Checking

arrow icon

True Advantage Checking is for our clients who prefer to maintain a larger deposit balance with Monona Bank and want to earn interest on their checking account. Choose from popular products and services such as a debit card, savings account, online banking, credit card, eStatements and more to customize your checking package to meet your specific financial needs.

There is a $100 minimum deposit to open this account and you must maintain a daily minimum balance of $1,000 or greater in your checking account or the combined average monthly balance(s) in all related savings, money market, CD or IRA account(s) must be $2,500 or greater to waive the usual monthly account fee. Please see the table below for fee amounts. 

Your True Advantage Checking account offers additional benefits, including:

  • Discount on check orders.
  • Safe Deposit Box rental discount.
  • No charge for cashier's checks and money orders.
  • Receive a 50% discount on the fee charged when purchasing a VISA® Prepaid Travel or Gift card.

* Ask one of our experienced Banking Advisers for a copy of our "Truth-in-Savings Disclosure" to review any fees that may apply to these accounts.

Checking Account Comparison

True CheckingTrue Advantage
Minimum to Open$100$100
Minimum Balance Requirement$0 $1000 daily minimum balance or a $2500 combined average monthly balance(s) in all related savings, money market, CD or IRA account(s). $5/month fee if not maintained.
To avoid usual monthly feesN/AMaintain the minimum balance requirements above.
Transaction LimitUnlimitedUnlimited
ChecksDiscount on 1st check orderDiscount on 1st and future check orders.
Pays InterestN/A
Online and Mobile Access
True Mobile Deposit
Digital Wallet
VISA® Debit Card
Access to 35,000+ surcharge free ATM's
Dial Monona Phone Access
Ready Line (*subject to credit underwriting)
Online Bill Pay Access
Scorecard® Points Forward
Safe Box Rental Discount
50% Discount on VISA® Gift and Travel Card fees
Money Orders and Cashier's ChecksNo charge


Customize Your Checking Account with These Great Options

Our checking accounts let you personalize the products and services you need. Your friendly Banking Advisor will work with you to determine which of the following products and services best fit into how you want to bank.


Here are some of the many ways Monona Bank helps you with your financial needs:


Need to balance your checkbook?

Use our quick and easy calculator.

Order Checks

It’s easy to reorder checks:

Online: Ordering checks is safe and secure when ordering online through our check partner Deluxe. To get started with your order, click on the appropriate link below:

By phone or in a branch: If you prefer to order your check through one of our Banking Advisors, please call or stop by one of our nine convenient locations.

Please note, when ordering your checks, to help prevent identity theft, we encourage you not to include your Driver’s License number on your checks.

Regardless of how you prefer to order your checks, when ordering through Monona Bank you can choose your check design, font style, and even your starting check number. Even better, by ordering through Monona Bank, you’ll get preferred pricing.