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Checking Accounts

Personal & Business Checking Accounts

Regular Checking

Our most basic checking account, Regular Checking requires a low minimum balance and gives you many of our convenient features!

Features:

  • Unlimited Transactions
  • Free Online Banking with Bill Pay
  • Free debit card
  • Free Mobile Banking* with Bill Pay
  • Free email and mobile alerts
  • Free access to our Dial-A-Bank
  • Free E-Statements

Monthly Maintenance Fee: $0 with $300 average daily balance, otherwise $6

*Mobile carrier data and text rates may apply.

Tiered Checking

Do you want an interest bearing account? Do you want to feel rewarded for saving money? With Tiered Checking from The Bank of Versailles, you can have it all, and then some! When you have Tiered Checking, the more you save, the higher your interest can be. With multiple tiers, each at a higher rate than the last, you can make your money work for you, without the hassle of multiple accounts or limits on transactions. With just a minimum balance of $500, you can avoid maintenance fees and earn interest! Contact any of our branches for current rates.

Features:

  • Unlimited Transactions
  • The ability to earn interest on your balance
  • Free Online Banking with Bill Pay
  • Free debit card
  • Free Mobile Banking* with Bill Pay
  • Free email and mobile alerts
  • Free access to our Dial-A-Bank
  • Free E-Statements

Monthly Maintenance Fee: $0 with $500 minimum average daily balance, otherwise $5 per month.

*Mobile carrier data and text rates may apply.

ACH Services/Direct Deposit for Businesses

Why spend money on checks for your payroll when we can set you up with an ACH Direct Deposit? Simply send us the file electronically and we take care of processing it! Your employees don’t have to take the time to go to the bank and deposit their payroll check; it’s already in their account. And best of all, the service is free!

If you are interested in setting up an ACH Direct Deposit for your payroll, contact Joyce at (573) 374-3320 or joycer@bankov.com today!

The Next Generation Account

The Next Generation Account is an account for folks under 18 (with a joint owner over 18) that provides an incentive to save as well as an introduction to other aspects of banking. These features make this account the right choice for today’s youth:

No Minimum Balance*

No Maintenance Fee

Earn interest on any balance Up to $1000.99 earns a 3% Interest Rate with an APY** of 3.04%

  • $1001.00 – $3000.99 earns a 2% Interest Rate with an APY of 2.02%
  • $3001.00 – $5000.99 earns a 1% Interest Rate with an APY 1.01%
  • $5001.00 and over earns a 0.18% Interest Rate with an APY on 0.18%

Each account will come with a personal book to log transactions, and free online banking access is available for the adult, to keep track of the account. The great thing about the account is when the owner is ready to delve into how a checking account works, there is no paperwork! We will be happy to order checks when that time comes. Debit cards are available upon approval.

This account is a great way to help teach your children the ins and outs of banking; truly a valuable lesson!

Things to remember:

  • Only one account per minor may be opened
  • The account must have at least one adult as a joint owner
  • The account will be automatically converted to a checking account of your choice at age 18
  • * No minimum balance is required to open the account or to obtain APY

** All rates and APYs (Annual Percentage Yield) are subject to change after the account is opened. Fees and withdrawals may reduce earnings on the account. Interest rates currently offered on all deposit accounts are determined at the bank’s discretion and may change daily. **

Effective: January 1, 2017 – December 1, 2017