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Checking Plans

Personalized Service, Common Sense Lending. 

Classic Checking 

Our most popular checking account, Classic Checking, features no minimum balance and no monthly fee should you choose to take advantage of the benefits of becoming an Advantage Club member. Additional details regarding how to become an Advantage Club member are listed on this website. 

N.O.W. Checking 

This checking account combines unrestricted check writing with the benefit of earning interest. Designed for customers who keep above average monthly balances, N.O.W. Checking is a favorite alternative to our Classic Checking account. Minimum opening balance: $700.00.  

Fee: $7.00 for any month the minimum balance is not maintained. 


Account Information Rates and APY's Accurate as of October 1, 2023
The interest rate and Annual Percentage Yield may change after a variable rate account is opened.

Account Type Interest Rate APY* Minimum Deposit to Open Account
NOW Checking Account .10% .10% $700.00

Regular fees or other conditions could reduce the earnings on an account.
Please inquire for further information concerning fees and terms applicable to accounts.

*APY- Annual Percentage Yield 

Business Checking 

The Pineries Bank is proud to offer one of the most competitive Business Checking accounts in the marketplace. Any officer or new account representative of our Bank would be pleased to review how we can best serve your Business Checking account, coin and currency needs. We have structured our Business Checking services in a manner that provides cost savings to our customers. Our Bank’s Business Checking services include free coin and currency and no charge for individual checks deposited to your Business Checking account. Services like these are most often specifically charged for at other banks in the marketplace. 

We designed our Business Checking account to provide customers the option of eliminating monthly service fees (see compensating balance details below). 

Additional details on Business Checking accounts: 
A $15.00 monthly maintenance fee will be charged if the minimum balance in the account falls below $1,000. The fee of .10 per check written will apply. This .10 per check fee will be waived if a $10,000.00 minimum compensating balance is maintained in any combination of other accounts with our Bank. (Compensating balances can be in the name of the business or in the names of the owners of the business, whichever best serves your situation. Exceptions may apply to large conglomerates.) 

ATM/Debit Cards 

It’s like having your cash, checkbook, and ATM card all rolled into one. Use it to get cash at automated teller machines (ATMs). Use it to pay for goods and services from your checking account- anywhere debit MasterCard® is accepted. That’s millions of locations worldwide! 

No annual fee is applied to our ATM/Debit Cards. 

Please report lost or stolen cards immediately. Call The Pineries Bank Monday thru Thursday from 8:00am to 5:00pm, Friday 8:00am to 6:00pm, and Saturday 8:00am to 12:00pm. On weekends and after hours, contact our card processor (FIS) lost/stolen call center at 1-800-500-1044.

Advantage Club 

Your friends at The Pineries Bank invite you to take advantage of the many benefits of becoming a member of our Advantage Club. By investing a minimum of $5,000 in any combination of our savings, certificate, or checking accounts you may take advantage of the following free services: 
  • Classic Checking (monthly service charge waived) 
  • Free Money Orders 
  • Free Photocopies 
  • Free Local Fax Service (Outgoing and Incoming) 

You can qualify as an Advantage Club member by maintaining account balances in any of the deposit accounts listed during any given month. Your minimum $5,000 account balances can be in one account or any number of accounts (i.e. $2,500 in a Money Market Account and $2,500 in a 6 Month Certificate of Deposit). 

Besides being able to take advantage of the services associated with your Advantage Club membership you can take pride in knowing that the money you are investing at The Pineries Bank is being used to make loans to your friends and neighbors right here in Central Wisconsin. We take pride in reinvesting the dollars you have entrusted in your locally owned and operated Bank, back into your community, and we know you feel that is important as well. 

Any member of our staff would be happy to provide you with additional information regarding the benefits of becoming an Advantage Club member.