Personal Checking Accounts
Rewards, Cash-Back and More.
The Bank of Beaver City offers the same quality and features you’d expect in a checking account from the nation’s largest banks – like mobile banking, remote deposit, fraud protection and more – but with a personal touch bigger banks simply cannot provide.
This is What Local Banking Looks Like
It’s a level of service that requires your bank to actually know you, your likes and dislikes. A regional or national bank with hundreds of thousands of customers can’t do that. There, you’re a number. Here, you’re a neighbor.
Check out our checking account options below, and learn just how different a local bank can be. Our personal bankers are happy to assist you in finding the account that best fits your needs.

Earn with Kasasa
Get high returns, ATM fee refunds, and no fees.
Kasasa Cash Checking Account
Kasasa Cash is a checking account that also earns a great rate of return and Nationwide ATM fee refunds for customers meeting certain statement cycle qualifications.
Benefits
- Pays a great rate of return on balances up to $10,000 for those meeting qualifications
- Pays a very competitive rate of return on balances over $10,000 for those meeting qualifications
- No monthly service fees
- Nationwide ATM fee refunds for those meeting qualifications
- No minimum balance to earn your rewards
- Unlimited check writing
- Free MasterCard® debit card
Qualifications
To qualify for “Kasasa Cash” rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the statement qualification cycle:
- Have at least one direct deposit of payroll or government benefit or ACH debit transaction (e.g. monthly insurance draft) post and settle.
- Must maintain valid email address. You will be required to notify the bank with any changes to your email address.
- Have at least 10 debit card purchases post and settle. (ATM processed transactions do not count towards qualifying debit card transactions)
- Must receive statement electronically via online banking with notice given by email.
Requirements
- No minimum balance to open the account
- Personal accounts only
Kasasa Cash Back Checking Account
Get paid to buy things you would’ve bought anyway! The Kasasa Cash Back Checking account pays cash back on debit card purchases, requires no minimum balance to earn your rewards and features nationwide ATM fee refunds for customers meeting certain statement cycle qualifications.
Benefits
- Cash back on debit card purchases
- Nationwide ATM fee refunds for those meeting qualifications
- No monthly service fees
- No minimum balance to earn your rewards
- Unlimited check writing
- Free MasterCard® debit card

Cash Back Rewards
Earn cash back and enjoy ATM fee refunds.
Qualifications
To qualify for “Kasasa Cash Back” and receive reimbursements on your ATM fee surcharges, you must perform the following during the statement qualification cycle:
- Have at least 10 debit card purchases post and settle. (ATM processed transactions do not count towards qualifying debit card transactions)
- Must receive statement electronically via online banking with notice given by email.
- Have at least one direct deposit of payroll or government benefit or ACH debit transaction (e.g. monthly insurance draft) post and settle.
- Must maintain valid email address. You will be required to notify the bank with any changes to your email address.
Requirements
- No minimum balance to open the account
- Personal accounts only
FREE Bank of Beaver City Checking Account
This is a checking account without a monthly service charge for customers that do not need their items returned with their statement each cycle.
Benefits
- No monthly service charge
- No minimum balance to maintain
- Unlimited check writing
- Free MasterCard® debit card
Requirements
- $100 to open the account
Super NOW Account Checking Account
Earn interest at a higher rate than the NOW account, plus the convenience of a checking account.
Benefits
- Pays a competitive rate of interest
- Unlimited check writing
- Free MasterCard® debit card
Requirements
- Maintain a $500 average daily balance during the statement cycle to avoid a monthly service charge.
NOW Account Checking Account
Earn interest at competitive rates while maintaining the convenience of a checking account.
Benefits
- Pays a competitive rate of interest
- Unlimited check writing
- Free MasterCard® debit card
Requirements
- $750 to open the account
- Maintain a $750 average daily balance during the statement cycle to avoid a monthly service charge and obtain the disclosed annual percentage yield.
Regular Checking Account
This is our most popular – and most flexible checking account.
Benefits
- No minimum balance to open the account
- No monthly service charge for full-time students
- No monthly service charge for Senior Citizens 62 and over
- Unlimited check writing
- No monthly service charge for persons with a permanent disability
- Free MasterCard® debit card
- No monthly service charge for non-profit organizations and clubs
Requirements
- Maintain a $500 average daily balance during the statement cycle to avoid a monthly service charge.
Premier Index Checking Account
A premium, interest-bearing checking account for customers that maintain high balances.
Benefits
- Pays a competitive rate of interest
- Unlimited check writing
- Free MasterCard® debit card
Requirements
- $25,000 to open the account
- Maintain a $25,000 average daily balance during the statement cycle to avoid a monthly service charge and obtain the disclosed annual percentage yield.
Money Market Investment Checking Account
Checking for customers wanting to maximize their interest income, who require a limited number of debit transactions each statement cycle.
Benefits
- Pays a competitive rate of interest
- Six free transfers from your account each statement cycle
Requirements
- $2,500 to open the account
- Maintain a $2,500 average daily balance during the statement cycle to avoid a monthly service charge and obtain the disclosed annual percentage yield
Ready to Switch?
Want to open your checking account at The Bank of Beaver City? Making the switch is quick and simple. Just drop by your nearest local office and we’ll be more than happy to walk you through the easy, fast process.
Click HERE for a copy of the Authorization Change Form.
Additional steps once your account is switched:
Stop & Change Direct Deposits
Be sure to stop any direct deposits going to your existing bank account. Provide your new account number and our bank routing number to each company making deposits to your account by contacting them. For government benefits, you may call directly to:
Social Security Administration – 1-800-772-1213
Department of Veterans Affairs – 1-800-827-1000
Office of Personnel Administration – 1-888-767-6738
Stop & Change Automatic Withdrawals
Stop preauthorized payments from being deducted from your current account. You must notify each company that you have authorized to deduct payments from your account and give them your new account information either by phone or in writing.
Close the Old Account
You may close your existing account once all your checks, automatic payments and direct deposits have cleared.
If you have any questions about making the “SWITCH”, please stop by our bank or call one of our Personal Bankers at 580-625-4511 or 620-624-0707 and they will be happy to assist you. We have attached an Authorization Change Form for your convenience.

Security
Financial fraud and scams are all too common these days. Don’t fall prey to a scammer’s tactics. Check out our security page to learn how to protect yourself.
Debit Cards
Learn about how to use, activate and deactivate your debit card.
Online Banking Solutions
With The Bank of Beaver City’s internet and digital banking options, you can handle just about any transaction from your own computer, tablet or smartphone.
Personal Savings & CDs
Earn a great rate on a safe investment with your own hometown bank. We offer a variety of savings accounts and CDs.
Personal Loans
Whether you’re interested in an auto loan for that next big car purchase, a home mortgage or anything in-between, our loan officers are here to help.