Personal Checking Accounts

A checking account with flexible options

Make and manage your checking account transactions with a local and reliable bank to support you. Banking with GCSB means low-fee features with flexible options for overdraft protection, checks, and more. Contact our staff to open an account today.

Checking accounts with Guthrie County State Bank

E-Access Checking

Perfect for customers who prefer not to worry about minimum balances and handle most transactions electronically online or via mobile, manage your money with an E-Access account.


  • $100 minimum opening deposit
  • Free Online & Mobile Banking
  • Direct deposit required
  • Debit card required
  • $1 monthly debit card fee
  • $0.25 per check transaction after 10 items
  • Free E-Statement or $4 fee for printed statement

Regular Checking

Do you tend to keep a balance of above $500 in your checking account for peace of mind? Get rewarded for healthy spending habits with a Regular Checking account. Enjoy free check transactions and unlimited check writing.


  • $500 minimum opening deposit
  • Free Online & Mobile Banking
  • $1 monthly debit card fee
  • Maintain a $500 average balance to avoid $10 monthly service charge


Student Checking Account

Build financial literacy throughout life with a checking account exclusively for those between the ages of 12 and 23. Student checking accounts require a parent or legal guardian to be a joint account holder if under the age of 18.


  • No monthly maintenance fee
  • No minimum balance
  • Free Online & Mobile Banking
  • No charge for debit card or debit card usage
  • Free E-Statement or $2 printed statement
  • First order of checks are free (limit one box)
  • GCSB will reimburse up to four non-Priveleged Status SHAZAM ATM transactions per month with receipt
  • First 10 checks per month are free

Interest-Bearing Checking

Get rewarded with earnings for your average daily balance while enjoying the benefits of online and mobile banking.


  • $2,500 minimum opening deposit
  • Free Online & Mobile Banking
  • $1 monthly debit card fee
  • Maintain a $2,500 average balance and avoid a $20 monthly service charge
  • Earn tiered interest based on your balance


Affluent Checking

If you generally keep $25,000 or more in your checking account, an Affluent Checking account with Guthrie County State Bank earns you tiered interest along with no monthly service charges.


  • $25,000 minimum opening deposit
  • Free Online & Mobile Banking
  • $1 monthly debit card fee
  • Earn tiered interest on balances over $25,000
  • No monthly service charge

Protect your checking account from overdraft fees

Overdraft Protection

Connect your checking account to another checking or savings account. If your account overdraws, money advances in increments of $200 from your alternate account. Fee: $10 annually.

Assurance Checking Protection

Similar to overdraft protection, but this account takes funds out of a line of credit attached to your checking account to cover overdrafts. Upon the overdraft, money will advance in $200 increments with a charge of $4, and outstanding balances accrue a 21 percent interest rate. Fee: $30 annually.

Create a monthly budget for financial fitness

Overdraft protection is a good safety net to protect your payments, but it’s not a long-term solution to solid financial management. Use our budget calculator to plan ahead.

Monthly Net Income

Spouse's Monthly Income


General Expenses


Mortgage and Debt

The information and analysis provided by these calculators is for illustrative purposes only. The figures shown are theoretical and may not be applicable in all situations. Consult a financial professional prior to relying on the results. The accuracy of the calculated results is not guaranteed and is intended for illustrative purposes only.