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Clear Lake Bank & Trust

641.357.7121

Family in a kitchen

Checking Accounts

All accounts receive unlimited check writing, free notary services, free online banking, bill pay services, mobile app and bounce protection for qualified customers.

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BreakFree Checking Free Checking
*account fees may apply

New Generation Checking
World Class Checking  HSA/Health Savings Acct
Minimum opening deposit $100 $100
$100
$100
$0
Account requirements
Requires direct deposit or ACH,
10 debit card transactions/month and
e-statements
None
$500 minimum balance
$1,500 in checking, savings or $15,000 in CDs See HSA brochure for complete details.
Monthly service charge if above
requirements not met
$1.50 if 10 debit card transactions are not met and/or $3.00 if receiving paper statements. If both not met, both fees will be assessed. $3.00 if receiving paper statements. $6
$12
$2
Fee cannot be waived for HSA accounts.
Interest bearing
No  No
Yes; accrues daily and paid monthly
Yes; accrues daily and paid monthly Yes; accrues daily and paid monthly
Other features
  • FREE standard debit card or $5/year photo debit card
  • FREE customized e-statements with images
  • 24 FREE personalized checks at account opening
  • $300 bounce protection
  • $15/year standard debit card or $20/year photo card
  • FREE optional e-statements with images
  • 24 FREE personalized checks at account opening
  • $300 bounce protection
  • $15/year standard debit card or $20/year photo card
  • FREE optional e-statements with images
  • 24 FREE personalized checks at account opening
  • $500 bounce protection
  • FREE standard debit card or $5/year photo card
  • FREE optional e-statements with images
  • FREE 3.5 x 5 safe deposit box for one year
  • FREE Clear Sailing Club membership and newsletter
  • FREE personalized wallet style checks
  • FREE personalized checks 
  • FREE standard debit card

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