Control Your Money with a Personal Checking Account
Are you looking to open a new personal checking account or compare your current one? Look no further than Prevail Bank! With us, you can choose an account that charges no monthly service or paper statement fees or another that earns interest on deposits, depending on your unique needs.
And don't forget about all the additional benefits - access to free digital banking and a complimentary debit card are standard for anyone who opens a checking account with us!
No monthly service fees.
No minimum balance required.
Free Prevail Bank debit card.
Free online & mobile banking.
Compare Our Checking Accounts
| Simply Free Checking (Minor) | Simply Free Checking | Cash Back Checking | Premium Interest Checking | 50+ Checking | |
|---|---|---|---|---|---|
Monthly Service Fee | None | None | None | None | None |
Minimum to Open | $50 | $50 | $50 | $50 | $50 |
Minimum Balance Required | None | None | None | None | None |
Earns Interest | No | No | No | Yes | Yes |
| Paper Statement | Free | Free | Free | Free | Free |
| Debit Card | Free | Free | Free (Required) | Free (Required) | Free |
| Account Requirements | 14-17 years of age | None | None | None | 50+ years of age |
| Reward Requirements | None | None | Minimum of 10 point of sale debit card transactions1 | Minimum of 10 point of sale debit card transactions1 | One ACH debit or credit transaction in this account per statement cycle3 |
| Rewards | None | None | Earn 1% cash back on point of sale debit card purchases up to $500 per month (Max $5.00 per month) if all account requirements are met1&4 Qualification criteria is waived for the first statement cycle for new accounts | Premium rates apply when balance is between $0.01 and $20,000.00, and qualifications are met2 Qualification criteria is waived for the first statement cycle for new accounts | Premium rates apply when balance is between $0.01 and $15,000.00, and qualifications are met2 Qualification criteria is waived for the first statement cycle for new accounts |
| Check Our Rates | N/A | N/A | N/A | View Rates | View Rates |
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* Your interest rate and annual percentage yield may change at any time. Interest is compounded and credited monthly. Fees could reduce the earnings on the account. Contact a Prevail Bank representative to see our Fee Schedule for other fees that apply to your account by calling or sending us a message. [1] The required minimum of 10 point of sale debit card transactions must post and clear/settle to the account during the monthly statement cycle. Each monthly statement cycle ends on the last business day of the month at 6:00 p.m. CST. Debit card transactions may take one or more business days from the date the transaction was made to post and clear an account. ATM transactions do not count towards qualifying debit card transactions. [2] Click on view rates to see the current interest rate and Annual Percentage Yield. The daily balance method is used to calculate interest on your account. Interest begins to accrue on the business day you deposit non-cash items (i.e., checks). [3] One ACH debit or credit transaction must post and settle to the account during the monthly statement cycle. Each monthly statement cycle ends on the last business day of the month at 6:00 p.m. CST. [4] If you close your account before the rewards are credited you will not receive the rewards.
Prevail Bank Debit Cards
Each of our checking accounts comes with a MasterCard® debit card to allow you to make quick purchases online and in person. Funds are debited directly from your Prevail Bank account. Debit cards are available for your checking account or HSA checking account. If you prefer to carry cash, your debit card can be used at ATMs. If you use an ATM that's part of the ATM ACCESS network or MoneyPass® ATMs, you can make withdrawals without paying a surcharge.
ATM ACCESS is a statewide alliance of community banks that have joined together to offer fee-free ATM access across Wisconsin. Look for the logo below on the side of the machine to ensure it is an ATM ACCESS machine.
The MoneyPass ATM network allows you to access 37,000 convenient surcharge-free ATMs nationwide.
Prevail Bank Mobile Banking App
Our free Prevail Bank Mobile Banking app offers access to your accounts everywhere with you. Learn more through our mobile banking videos and interactive click-thru demos below!
Add Your Prevail Bank Debit Card to Your Digital Wallet
You can add your Prevail Bank debit cards to your smartphone’s digital wallet; Apple Pay, Google Pay, and Samsung Pay. Learn more about how convenient and easy this feature can be on our Mobile Banking page!
IntraFi® Network Deposits
With ICS® or CDARS®, you can access multi-million-dollar FDIC protection on deposits placed in demand deposit accounts, money market deposit accounts, and CDs—all through our bank.
Learn more about our ICS® or CDARS® services by visiting the Intrafi Network website, by contacting a Prevail Bank Representative, or by watching our video below.
Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.
Saving Makes Cents - Earn While Spending
Save money while spending money. It just makes sense! With our Saving Makes Cents program, customers with a Prevail Bank Checking account, Savings account, and debit card can save money while making regular purchases. This program rounds up your purchase to the next whole dollar, and transfers the change to your Savings account.
Let’s say you purchase groceries at the local supermarket for $42.78. The Saving Makes Cents program will round that total to $43.00 in your Checking account; with $42.78 going to the supermarket, and the rounded-up $0.22 will be transferred into your Savings account. This makes the savings easy and automatic.
Signing up is easy! To get started, simply visit one of our locations, or give us a call. We will work with you to have the necessary documents completed, and then you can watch the savings begin!
| Item Purchased with Prevail Bank Debit Card | Price | Rounded Up | Transferred to Savings Account |
|---|---|---|---|
| Coffee | $2.45 | $3.00 | $0.55 |
| Gas | $31.27 | $32.00 | $0.73 |
| Groceries | $42.78 | $43.00 | $0.22 |
Note: Based on the above chart, total savings transferred into Savings at the end of the business day would amount to $1.50.
In order to participate in the Program, you must have three products: (1) Prevail Bank personal Checking Account (Money Market Accounts are ineligible), (2) Prevail Bank Debit MasterCard, (3) Prevail Bank personal Savings Account.
Each time you use your Prevail Debit MasterCard to make a point of sale purchase, Prevail will automatically round up your purchase to the nearest whole dollar amount and transfer the amount in excess of your purchase price from your checking account into your savings account. We will add together all the change from the aggregate of purchases that post to your checking account each business day and make a single transfer at the end of the business day. At the time of the transfer, if your checking account does not have a sufficient available balance to pay the transaction or the transfer, then no transfer will occur for that day.
Debit MasterCard transactions such as ATM withdrawals, checks, wires, deposits and transfers are not transactions that are eligible for the program. Not available on Business Accounts, Individual Retirement Accounts or Health Savings Accounts.
Additional Resources.
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