Checking Accounts

Checking Accounts

Whether you’re looking for basic checking, or one that offers you choices or rewards, Monona State Bank has a checking account for your specific financial needs.

As your trusted advisor, we’ll help you find the right combination of products and services that helps you save, spend and grow your money without the hassles or fees other banks charge.

You can also call us or visit one of our four convenient locations to talk to one of our experienced personal bankers today for assistance with choosing the best account for your needs.

To compare one or more of our checking account options, please see the chart below.


True Choices Checking

True Choices 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. True Choices clients are required to have three additional products and services to waive the usual $4/month account fee. Choose from popular options such as a debit card, savings account, online banking, credit card, eStatements and more.

For more information about our True Choices Checking, click here.

  • Complimentary first box of checks – choose from a variety of check styles.
  • When we say True Choices, we mean it. Your True Choices Checking account comes with your choice of a minimum of three products and services that you can choose from to truly customize your checking package. Just maintain at least three of these products or services, and your account will not be charged a monthly maintenance fee*. If you already have any of these products or services, you can apply them towards your three products/services requirement to create the True Choices checking account that meets your specific financial needs.

* Ask one of our Personal Bankers for a copy of our "Truth in Savings Disclosure" to review any fees that may apply to this account.


True Rewards Checking

True Rewards Checking was designed for clients who like to maintain a larger balance checking account and want to earn interest on their money. Clients must maintain a daily minimum balance of $1000 or a monthly minimum average combined balance of $5000 in any related accounts to waive the usual $5/month maintenance fee. Additionally, True Rewards clients are required to have four additional products and services to waive the usual $5/month service charge, but that’s easy to do with options such as a debit card, savings account, online banking, credit card, eStatements and more.

For more information about our True Rewards Checking, click here.

  • Complimentary first box of checks – choose from a variety of check styles.
  • When we say True Rewards, we mean it. Not only do you earn interest on your daily collected balance, your True Rewards Checking account also comes with your choice of a minimum of four products and services that you can choose from to truly customize your checking package. Just maintain at least four of these products and services, and your account will not be charged a monthly maintenance fee*. If you already have any of these products and services, you can apply them towards your requirement to create exactly the True Rewards Checking account to best meet your needs.

* Ask one of our Personal Bankers for a copy of our "Truth-in-Savings Disclosure" to review any fees that may apply to this account.


True Advantage Checking

True Advantage Checking is for our clients who prefer to maintain a larger deposit balance with Monona State Bank, want to earn interest on their checking account, and want access to all of the services and benefits we offer clients. Clients can choose from any of our products and services to ensure we’re working together to help you meet your financial goals. Clients must maintain a daily minimum balance of $10,000 or greater in their checking account or the combined average monthly balance(s) in all related savings, money market, CD or IRA account(s) must be $10,000 or greater to waive the usual $6/month account fee.

For more information about our True Advantage Checking account, click here.

  • Never pay for checks again! Your exclusive True Advantage checks are always complimentary.
  • Receive a $50.00 coupon to use towards the closing cost of any Monona State Bank Loan.
  • Earn a premium market interest rate! Current Rates.
  • Receive a $15.00 Safe Deposit Box Credit (annually).
  • Receive invitations to EXCLUSIVE True Advantage events.
  • Receive a 50% discount on the fee charged when purchasing a VISA® Prepaid TravelMoney card.
  • Manage your money 24/7, from anywhere, at anytime with our True Mobile Banking.
  • Our MononaBank Online Banking lets you bank from any computer at any time.
  • Online Bill Pay Service saves you postage when you pay bills online.
  • Use Dial Monona Phone Banking to save a trip to the bank.
  • Surcharge-free withdrawals at more than 700 ATMs statewide when you use your check card in the ATM Access Network.

Additional Options:

Turn your everyday purchases into rewards points that you can redeem for travel, merchandise, gift certificates and other things you want! Your Monona State Bank Check Card is automatically enrolled in our Points2U Rewards Program. Ask your Personal Banker for details.

Minimum Deposit to Open: $100.00

* Subject to bank approval.


To make picking a checking account even easier, review the chart below for all the ways our checking accounts can help you meet your specific banking needs. Of course, any one of our experienced personal bankers would be happy to review your choices in person or over the phone.


Re-Order Checks:

You can re-order checks online or by phone. Click here for more info.


Checking Account Comparison

  True Choices Checking True Rewards Checking True Advantage Checking
Minimum to Open $100 $100 $100
Minimum Balance Requirement $0 $1000 Daily minimum balance or a monthly minimum average of $5000 in related accounts. $5/month fee if not maintained. $10,000 daily minimum balance or a $10,000 combined average monthly balance(s) in all related savings, money market, CD or IRA account(s). $6/month fee if not maintained.
To Avoid Usual Monthly Fees Maintain a minimum of three additional products and services to avoid usual $4/month fee. Maintain a minimum of four additional products and services and meet mimimum balance requirements above to avoid usual $5/month fee. Maintain the minimum balance requirements above.
Transaction Limit Unlimited Unlimited Unlimited
Checks First box of checks is complimentary First box of checks is complimentary Exclusive True Advantage checks are always complimentary
Pays Interest
 
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Online and Mobile Access
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VISA® Check Card
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Access to 700+ surcharge free ATM's
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Dial Monona Phone Service
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Ready Line (to cover overdrafts)
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Online Bill Pay Access
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Points2U Rewards
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Safe Box Credit
 
 
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Invitations to Exclusive Bank Events
 
 
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50% Discount on fees for VISA Prepaid Travel Cards
 
 
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Enjoy these additional benefits

All of Monona State Bank's checking accounts offer many additional benefits including:

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Customize Your Checking Account with Choices

Our True Choices and True Rewards Checking accounts give you the choices you want to personalize your checking account. Your personal banker will work with you to determine which of the following products and services best fit into the way you want to bank. Please note that multiple accounts of the same type (for example multiple money market accounts) count as one product when determining your minimum choices to avoid monthly fees.

Choose from the following thirteen exciting products and services:

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