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Personal Checking Accounts

Compare our various checking account options in the grid below. Visit any of our convenient banking locations to get your account opened today!

Product Features Dream Checking
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Cash Back
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Prime Checking
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Windmill Premier
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Minimum Opening Deposit $100 $100 $100 $1,000
Balance Requirement $0 $0 $0 $1,000
Maintenance Fee
(if balance requirement is not met)
N/A N/A N/A $7.50
Pays Interest Yes No No Yes
Unlimited Check Writing Yes Yes Yes Yes
ATM Fee Refunds Up to $25 per statement cycle. Up to $25 per statement cycle. No No
Online Check Reordering Via Deluxe Via Deluxe Via Deluxe Via Deluxe
Special Reward Benefit Premium interest rate if qualifications are met, overdraft protection available. Cash back on debit card purchases if qualifications are met, overdraft protection available. Overdraft protection available. No fee for money orders and cashiers checks, overdraft protection available.
Account Restrictions Interest earning impacted by qualifications, see account details. Cash back on debit transactions impacted by qualifications, see account details. None None
Qualifications for Rewards Requires debit card transaction activity, automation payments (ACH), and enrollment in E-Statements (via Online Banking). Requires debit card transactions, enrollment in E-Statements, and use of Online Banking. N/A N/A
Dream Checking
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Minimum Opening Deposit $100
Balance Requirement $0
Maintenance Fee
(if balance requirement is not met)
N/A
Pays Interest Yes
Unlimited Check Writing Yes
ATM Fee Refunds Up to $25 per statement cycle.
Online Check Reordering Via Deluxe?
Special Reward Benefit Premium interest rate if qualifications are met.
Account Restrictions Interest earning impacted by qualifications, see account details.
Qualifications for Rewards Requires debit card transaction activity, automation payments (ACH), and enrollment in E-Statements.
Cash Back
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Minimum Opening Deposit $100
Balance Requirement $0
Maintenance Fee
(if balance requirement is not met)
N/A
Pays Interest No
Unlimited Check Writing Yes
ATM Fee Refunds Up to $25 per statement cycle.
Online Check Reordering Via Deluxe?
Special Reward Benefit Cash back on debit card purchases if qualifications are met.
Account Restrictions Cash back on debit transactions impacted by qualifications, see account details.
Qualifications for Rewards Requires debit card transactions, enrollment in E-Statements, and use of Online Banking.
First Free
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Minimum Opening Deposit $100
Balance Requirement $0
Maintenance Fee
(if balance requirement is not met)
N/A
Pays Interest No
Unlimited Check Writing Yes
ATM Fee Refunds No
Online Check Reordering Via Deluxe?
Special Reward Benefit N/A
Account Restrictions None
Qualifications for Rewards N/A
Windmill Premier
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Minimum Opening Deposit $1,000
Balance Requirement $1,000
Maintenance Fee
(if balance requirement is not met)
?
Pays Interest Yes
Unlimited Check Writing Yes
ATM Fee Refunds No
Online Check Reordering Via Deluxe?
Special Reward Benefit No fee for money orders and travelers checks, overdraft protection available.
Account Restrictions None
Qualifications for Rewards N/A

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We have several locations throughout southwest Kansas to serve your banking needs.

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