Personal Deposit Products
Personal Checking Accounts
Personal Checking Accounts
Ixonia Bank offers a variety of checking account plans in order to accommodate your lifestyle. To view fees associated with your Ixonia Bank deposit account(s), click here.
To learn what required documents you will need when opening up an Ixonia Bank Personal Checking account, click here. All Ixonia Bank Personal Checking Accounts that earn interest are calculated using an Annual Percentage Yield (APY) and are accurate as of the date listed on the rate sheet.
Account Type
Freedom Checking
Patriot Checking
Ultimate Interest Checking
Star Checking
Account Overview
For those who prefer to handle their money electronically.
A traditional checking account with a low monthly minimum balance.
A tiered interest rate account for those who maintain a higher balance.
An account for those 50+ or Active Military/Veterans. Pays interest with
no minimum balance.
Interest Paid
None
None
Interest compounds monthly and is credited monthly.
Interest compounds monthly and is credited monthly.
Minimum Balance to Open
$100
$100
$100
$100
Minimum Balance Required to Avoid Charges
None
$300
$1,000
None
Monthly Service Charge
None
$8.00
$7.50
$3.00
To Reduce Monthly Service Charges
N/A
1) $5.00/month waived when $300 minimum balance is maintained during statement cycle.
2) $3.00 credit applied to Service Charge with eStatement enrollment.
$7.50/month waived when $1,000 minimum balance is maintained during statement cycle.
$3.00 credit applied to Service Charge with eStatement enrollment.
Statement Delivery
Electronic(3)
Electronic(3) or Paper
Electronic(3) or Paper
Electronic(3) or Paper
Other Benefits
No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
FREE box of checks each year.(7) FREE 3×5 Safe Deposit Box for 1 Year. (8) FREE account activity printout. FREE copies of personal documents. No Annual Fee Debit Card.
FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
Account Type
Account Overview
Freedom Checking
For those who prefer to handle their money electronically.
Patriot Checking
A traditional checking account with a low monthly minimum balance.
Ultimate Interest Checking
A tiered interest rate account for those who maintain a higher balance.
Star Checking
An account for those 50+ or Active Military/Veterans. Pays interest with
no minimum balance.
Account Type
Interest Paid
Freedom Checking
None
Patriot Checking
None
Ultimate Interest Checking
Interest compounds monthly and is credited monthly.
Star Checking
Interest compounds monthly and is credited monthly.
Account Type
Minimum Balance to Open
Freedom Checking
$100
Patriot Checking
$100
Ultimate Interest Checking
$100
Star Checking
$100
Account Type
Minimum Balance Required to Avoid Charges
Freedom Checking
None
Patriot Checking
$300
Ultimate Interest Checking
$1,000
Star Checking
None
Account Type
Monthly Service Charge
Freedom Checking
None
Patriot Checking
$8.00
Ultimate Interest Checking
$7.50
Star Checking
$3.00
Account Type
To Reduce Monthly Service Charges
Freedom Checking
N/A
Patriot Checking
1) $5.00/month waived when $300 minimum balance is maintained during statement cycle.
2) $3.00 credit applied to Service Charge with eStatement enrollment.
Ultimate Interest Checking
$7.50/month waived when $1,000 minimum balance is maintained during statement cycle.
Star Checking
$3.00 credit applied to Service Charge with eStatement enrollment.
Account Type
FREE Online Banking(2)
Freedom Checking
Required
Patriot Checking
Available
Ultimate Interest Checking
Available
Star Checking
Available
Account Type
Statement Delivery
Freedom Checking
Electronic(3)
Patriot Checking
Electronic(3) or Paper
Ultimate Interest Checking
Electronic(3) or Paper
Star Checking
Electronic(3) or Paper
Account Type
FREE Mobile Banking with Mobile Deposit(2,3,4,5)
Freedom Checking
Available
Patriot Checking
Available
Ultimate Interest Checking
Available
Star Checking
Available
Account Type
FREE Online Bill Pay(6)
Freedom Checking
Available
Patriot Checking
Available
Ultimate Interest Checking
Available
Star Checking
Available
Account Type
Other Benefits
Freedom Checking
No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
Patriot Checking
No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
Ultimate Interest Checking
No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
Star Checking
FREE box of checks each year.(7) FREE 3×5 Safe Deposit Box for 1 Year. (8) FREE account activity printout. FREE copies of personal documents. No Annual Fee Debit Card.
FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.
Account Type
Online Account Opening
Freedom Checking
Patriot Checking
Ultimate Interest Checking
Star Checking
