Checking & Debit Cards

5 Fabulous Options

We offer free checking accounts, accounts that earn interest, and accounts that reward you for doing easy banking activities that save you time. Every checking account includes a bounty of benefits, including a Debit card, Online Banking, Mobile App, and more.

Choose the account that is right for you!

Checking Account Comparison

Comparison table of personal checking accounts
	Free Kasasa Cash Back	Free Kasasa Cash	Free Checking	Interest Checking	Interest Checking 50+
Description	Get cash back when you shop with your debit card; no minimum balance to earn rewards	Earn excellent interest on up to $10,000.00; no minimum balance to earn rewards	Enjoy a great, all-purpose checking account to meet your everyday banking needs	Earn competitive interest on your checking account balance	Designed for customers age 50 or greater; enjoy our Interest Checking without a monthly fee
Minimum Opening Balance	$50.00	$50.00	$100.00	$1,000.00	$1,000.00
Monthly Service Charge Fee	None	None	None	$5.00 (waived with minimum average daily balance of $1,000.00)	None
Per-Debit Transaction Fee	None	None	None	$0.20	None
Earns Interest¹	No	2.00% Annual Percentage Yield (APY)⁵ on balances up to and including $10,000.00 0.15% interest rate on balances greater than $10,000.00 for an APY range of 2.00–0.15%⁵ 0.01% APY if qualifications are not met⁵	No	Yes	Yes
Free Debit Card²
Free Online Banking with Bill Pay³
Free Mobile Banking App³
Free Mobile Deposit²
Free Online Statements⁴
Access to Network of 600+ Surcharge-Free ATMs
Unlimited Check Writing
Additional Benefits	2.00% cash back on debit card purchases⁵ Earn up to $84 cash back per year, $7 per month⁵ Refunds on ATM withdrawal fees, nationwide⁵	Refunds on ATM withdrawal fees, nationwide⁵	None	None	None
Learn More	Free Kasasa Cash Back	Free Kasasa Cash	Free Checking	Interest Checking	Interest Checking 50+

View Interest Rates Download Fee Schedule

Find Your Perfect Checking Account

Answer just a few quick questions to find the best account for your needs.

Need Help Deciding?

Bank of Prairie du Sac’s personal banking team is standing by to help you!

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Locations & Hours

Call Us

608.643.3393

Debit Cards

Get convenient access to your Bank of Prairie du Sac checking account with our debit card. Use it to access hundreds of surcharge-free ATMs in our network.

ATM Access Network

Debit Card Application

First Name

Middle Initial

Last Name

Address Line 1

Address Line 2

City

State

ZIP

Daytime Phone

Evening Phone

Name of Co-applicant (for a joint account only)

Checking Account Number

Savings Account Number (ATM use only)

Terms and Conditions Agreement

If this is a joint account, I understand that each owner will be liable for the full amount of all withdrawals.

If approved, cards and agreements will be mailed to the address listed on your Bank of Prairie du Sac account. Debit card will be mailed within 7 to 10 business days. The PIN will be mailed separately.

I understand that this is not a credit application. I have answered the questions in this application fully and truthfully, and all information provided is correct. I authorize Bank of Prairie du Sac to obtain information to verify my records and statements made in this application. I have read and agree to all of the terms and conditions governing its use.

Download the Regulation E Disclosure.

Please check each box

I agree to the terms and conditions above.

I consent to receive an electronic disclosure for Regulation E.

I have read and agree to the Regulation E Disclosure.

Debit Card Support

Lost/Stolen Debit Card

Call 608.643.3393 during business hours.
Call 800.528.2273 outside business hours.

Card Fraud Reporting

Call 800.889.5280, Option 1.

Change Your PIN

Call 800.272.9222.

If You are Traveling Outside Wisconsin

Call 608.643.3393 to make your card available for out-of-state and foreign purchases.

*Fees may apply.

Instant Debit Cards

If you need to replace a lost or stolen card, we can issue you a new Bank of Prairie du Sac debit card on the spot!⁶ With our Instant Issue debit cards, you no longer have to wait for a new card to come in the mail.

We also can also help you reset a forgotten debit card PIN. Talk to a personal banker for details.

¹Minimum balance required to earn interest.

²Separate application required.

³Customers must be registered users of Online Banking to be eligible. Third-party message, data, or internet service provider charges may apply.

⁴Terms and conditions apply with enrollment. Paper statements will automatically be discontinued once registered for the service. A device with internet access and Adobe® Acrobat Reader 4.05 version or greater is required to view Online Statements.

⁵Qualification Information: Transactions and activities must post and settle to the account during each Monthly Qualification Cycle and may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account. Everyday is a “Business Day” except Saturdays, Sundays, and federal holidays. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) Business Day prior to the first day of the current Statement Cycle through one (1) Business Day prior to the last Business Day of the current Statement Cycle. “Statement Cycle” means the period of time for which Bank of Prairie du Sac provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Rewards: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $350.00 PIN-based and/or signature-based debit card purchases that post and settle to the account during that cycle period up to a maximum cash back earned of $7.00 per Monthly Qualification Cycle, and (2) You will receive ATM withdrawal fee refunds up to an aggregate total of $20.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We refund ATM withdrawal fees of $4.99 or less. ATM withdrawal fees of $5.00 or more will not qualify. ATM withdrawal fees are based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate ATM withdrawal fee refund, we will adjust the ATM withdrawal fee refund amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Cash back payments and ATM withdrawal refunds will be credited to the account on the last day of the current Statement Cycle. When Kasasa Cash Back qualifications are not met, you will not receive cash back on PIN-based and/or signature-based debit card purchases and ATM withdrawal fees are not refunded. Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account’s rewards. Rewards less than a penny cannot be distributed. Additional Information: $50.00 minimum deposit is required to open the account. This account is not to be used for commercial purposes and there is a limit of one (1) account per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. Enrollment in electronic statements is required to meet some of this account's qualifications. Contact a Bank of Prairie du Sac service representative for additional information, details and enrollment instructions. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

⁶Fees may apply.