You must deposit a minimum of $25.00 when opening a checking account.

Service Charges 

A checking account is subject to monthly service charges of a $1.00 base charge, plus 14¢ per check or other paper debit (per item debit) to the account. Those service charges will be offset by a credit back of 50¢ per $100.00 of average daily balance for the month. Adding the balance of the account for each day of the month and dividing that sum by the number of days in the month determines such average balance of an account.

The credit back cannot exceed the total service charges.

As an example:
The monthly charge = $1.00
25 checks @ 14¢ = 3.50
Less: credit for average balance of $600 = - 3.00
Net service charge for the month  = $1.50

There is no service charge for direct debits or credits through the Automated Clearinghouse system (ACH).

You may apply for a debit card to use with your checking account. If your application is accepted, you may incur charges from use of the debit card. Such charges are disclosed in a separate statement upon application for a debit card.

The categories of transactions for which an overdraft charge may be imposed are those created by any of the following means: check, draft, in-person withdrawal, or other electronic means. Any other charges that you may incur are disclosed in a separate statement given to you with this notice.

Additional Information 

We allow electronic check transactions to post to your checking account.

You may order printed checks from us or from any other source. Our only requirement is that the MICR encoding of routing and account numbers be acceptable to all scanning equipment. If the checks you order elsewhere are of poor encoding quality, we will require you to obtain better quality checks.

Account statements are sent to you monthly unless there is no activity in the account.


If you have questions about your account charges please contact us at:

Brunswick State Bank   Brunswick State Bank
POB 29   Winnetoon Branch Office
Brunswick, NE 68720 or POB 131
402/842-2435   Winnetoon, NE 68789
888/393-7945   402/847-3223