man with glasses and a beard

Personal Checking

Checking Options

Rayne State Bank offers a full range of personal checking accounts to meet your needs.

All of our checking accounts offer Check Imaging, a service provided by Rayne State Bank in which you will receive images of your checks with your monthly statement. Images are in check sequence number order for easier reconciling of your account. Check Imaging reduces the amount of clutter that checks can make and keeps your documents together in one simple package. Should you have any questions, please contact Customer Service.

Advantage Club*

Advantage Club is an exclusive checking account providing a level of personalized service not found in other checking accounts for only $8.50 per month.

Advantage Club Plus*

For an interest-bearing account, join our Advantage Club Plus program for a low monthly rate of only $10.50.

Personal Checking

The most basic money management tool, the personal checking account, servces the needs of those who know what their monthly costs are.

Personal Interest

We recommend this account for you if you keep higher balances in your account and want unrestricted check writing.

Personal Money Management

This account allows you the freedom to place excess cash in an investment and take advantage of an opportunity should it knock on your door.

Penny Pincher Checking
There is no minimum balance required to avoid service charge. Open with as little as $100.00.
There is a transaction fee of $0.10 per debit over 35 in a statement cycle.

* Advantage Club benefits are not deposits, not FDIC-insured, not insured by any federal government agency, not guaranteed by the Bank, and may decrease in value.

Account Comparisons

Service Personal Checking Penny Pincher Personal Interest Personal Money Management
Deposit to Open $100 $100 $100 $100
Average Balance to Avoid Service Charge $1,000 None $1,500 $2,500
Monthly Service Charges $7 $.01 - e-Stmt
$2.00 - w/o e-Stmt
$8 $10
Transaction Fee Maintain an average balance of $2,500+ ... Unlimited check writing

Average balance less than $2,500 ...
$0.10 per check over 35 in statement cycle
$0.10 per check over 25 in statement cycle $0.15 per check over 35 in statement cycle 6 withdrawals per statement cycle; $10 per withdrawal thereafter
Interest and Method of Payment None None A Tiered Interest Rate Structure. Interest is compounded and credited monthly; the daily periodic rate is calculated on the average daily balance. A Tiered Interest Rate Structure. Interest is compounded and credited monthly; the daily periodic rate is calculated on the average daily balance.

Additional Special Features & Products for Accounts


Service Personal Checking Penny Pincher Personal Interest Personal Money Management
Statement Check Imaging FREE FREE FREE FREE
24-Hour ATM/Debit Card Monthly Fee FREE $.99 e-Stmt
$1.00 - w/o e-Stmt
FREE N/A
Telephone Voice Response & Internet Banking Services FREE FREE FREE FREE
Automatic Bill Payment YES - Ask a Customer Service Representative YES - Ask a Customer Service Representative YES - Ask a Customer Service Representative N/A