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Personal Checking


Bank of Hays offers a variety of personal checking accounts designed to meet your individual needs!

Free Checking

  • $100 minimum opening deposit.
  • Unlimited check writing; unlimited deposits.
  • No monthly service charge or per item fees.
  • No fee ATM or VISA® Check Card. Card transactions at standard pricing.
  • Other services at standard pricing.
  • Monthly detailed statement. Checks are safe kept by the bank.

Regular Checking

  • $100 minimum opening deposit.
  • Unlimited check writing; unlimited deposits.
  • $5.00 monthly service charge; waived if you have either:
    • a $500 minimum daily balance, or
    • additional deposit account relationships with the bank totaling at least $1000 on single statement banking.
  • No fee ATM or VISA® Check Card. Card transactions at standard pricing.
  • Other services at standard pricing.
  • Monthly imaged statement.

Club 50 Checking

A convenient checking account option with interest designed for customers age 50 or better. Our account with the most benefits.

  • $100 minimum opening deposit.
  • No monthly service charge; unlimited check writing; unlimited deposits.
  • Earn interest at the stated interest checking APY** when you maintain a $2000 minimum daily balance.
  • No fee ATM or VISA® Check Card. Card transactions at standard pricing.
  • Other services at standard pricing.
  • Monthly imaged statement.
  • No fee Travel Money Cards, Cashier's Checks, or Personal Money Orders.
  • Free Notary service.

Interest Checking NOW

The convenience of a checking account...with interest!

  • $1500 minimum opening deposit.
  • $1.00 minimum daily balance to obtain stated APY.**
  • Unlimited check writing; unlimited deposits.
  • $8.00 monthly service charge; waived if you have either:
    • a $1500 minimum daily balance, or
    • additional deposit account relationships with the bank totaling at least $3000 on single statement banking.
  • No fee ATM or VISA® Check Card. Card transactions at standard pricing.
  • Other services at standard pricing.
  • Monthly imaged statement.

**All interest checking and savings accounts are variable rate accounts with the interest rate and Annual Percentage Yield subject to change at any time by any amount at bank's discretion. Interest is compounded and credited monthly. Interest begins to accrue no later than the business day you deposit noncash items. Interest is compounded using the daily balance method, by applying a periodic rate to the full amount of principal in the account each day. Closing the account before interest is credited will forfeit the accrued interest. We reserve the right to require not less than 7 days written notice before any withdrawal from an interest bearing account. Fees on all accounts may reduce earnings.