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 Services.

Advantage Club Checking
Advantage Club Plus Checking
Personal Checking
Personal Interest Checking
Personal Money Management
Penny Pincher Checking
Compare Checking Plans

Advantage Club Checking*
Advantage Club is an exclusive checking account designed for our valued customers. It provides a level of personalized service not found in other checking accounts for only $8.50 per month. For more information go to our Advantage Club web site.

Personalized Checks - Receive up to 300 personally imprinted checks annually at no additional cost to you. Your special member checks will be printed with your name and address.

Travelers Check, Cashier's Checks, Money Orders and Stop Payments - These secure, convenient instruments are available to you at no issue fee or charge.

Unlimited Check Writing - Write as many checks as you need each month. There is no extra charge for this convenience.

Consumers Newsletter - Learn how to spend smarter, live better, and enjoy your leisure time more. Four great issues each year for your reading pleasure.

Savers Club Book - Everyday savings right at your fingertips.  Find savings on movie tickets, theme parks, grocery coupons, car rentals and much more.  With the coupons, car rentals and much more.  With the Savers Club Book you can also save up to 50% on rack rates at over 4,400 participating hotels, motels and inns when you order your new Savers Club Book every year.

Personal ID Card - Your personal identification card provides information about discounts and toll-free numbers.

Safe Deposit Box- Save 50% on your rental of your Rayne State Bank Safe Deposit Box (if available).

Payment Card Protection - When your credit, ATM and check cards are registered, just call the toll-free 24-hour number to report a loss of theft, and all your card issuers will be notified for you. You'll also receive protection against any liability on every registered card.

Everyday Rebate Rewards - Get cash back – simply by purchasing items you use every day.  Save your receipts when you buy groceries, eat out, purchase clothing, or buy pet supplies.  At the end of every quarter, send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% cash back.

Hotel Savings Network Discounts at Popular Lodging Chains - Save up to 30% every time you stay at one of the 4,000 participating hotels nationwide.   There is no limit to the number of times you can take advantage of your savings!

Free ATM or MasterMoney Debit Card - Apply for your card and use it at thousands of locations worldwide. There is no monthly or annual fee.

Free 24-Hour Banking - Call VELMA - our telephone teller- she will help you make unlimited inquires or transfer among your accounts.

Accidental Death Insurance Family Plan

• $10,000 coverage for members
• $10,000 coverage for your spouse
• $1,000 coverage for each dependent child

The Accidental Death Insurance will double for you, your spouse and each dependent child when you travel by licensed Common Carrier. Plus, increased 24-hour coverage should loss occur in a private automobile where the covered individual is wearing a seatbelt. Coverage for your entire family is just $2 extra per month.

Identity Theft Insurance with Fraud Assistance - For victims of identity theft, it can be timeconsuming and costly. You’ll have up to $2,500 in financial compensation for qualified expenses incurred in the recovery of your stolen identity. Included in this benefit is Fraud Assistance, a comprehensive service designed to help with the hassle of clearing your good name. You’ll receive expert help to assist you in organizing paperwork, advising you about notifying creditors and more.

MyID Matters^SM - Stay up to date on identity theft-related issues with access to MyIDMatters. This educational website is designed to keep you informed of topics associated with personal identity and security fraud. Consider this your one stop for fraud and identity protection news and education.

Cash Rewards! - How would you like to earn $100…$200…$300 or more just for shopping? Now you can earn money back by making purchases through the Cash Rewards website using the credit or debit card you register. Eligible cash rewards will automatically be refunded to your registered card as a credit on your monthly statement. Shop as much as you want, anytime you want and earn great savings!

* 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.

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Advantage Club Plus Checking*
For an interest-bearing account, join our Advantage Club Plus program for a low monthly rate of only $10.50. As added value, you will enjoy the special benefits of the Advantage Club program as well. For more information go to our Advantage Club web site.

* 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.

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Personal Checking
The most basic money management tool. It serves the needs of those who know what their monthly costs are and wish to keep track of bills through payment by check or debit card, which is your indisputable proof of purchase. Pay only $7 per month or pay nothing at all if you maintain an average balance of $1,000. There is a transaction fee of $0.10 per debit over 35 in a statement cycle. This transaction fee is waived if you maintain an average balance of $2,500. An overdraft protection limit of $750 may be available with no Annual Fee. Open with as little as $100.

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Personal Interest Checking
We recommend this account for you if you keep higher balances in your account and want unrestricted check writing. You earn interest with no minimum balance to maintain and interest is accrued on a Tiered Interest Rate Structure (see our rate sheet of most current rate posting). Pay only $8 per month or pay nothing at all if you maintain an average balance of $1,500. There is a transaction fee of $0.15 per debit over 35 in a statement cycle. Regardless of your balance, you will earn interest on any balance you keep in your account. An overdraft protection limit of $750 is made available with no Annual Fee. Open with as little as $100.

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Personal Money Management
If you want higher interest earnings and require liquidity, this account is for you. 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. You earn interest with no minimum balance to maintain and interest is accrued on a Tiered Interest Rate Structure (see our rate sheet of most current rate posting). Keep an average balance of $2,500 in your account and avoid paying a $10 monthly service charge. You are allowed only 6 withdrawals per statement cycle effective July 2, 2009. A transaction fee of $10 is assessed per withdrawal if you exceed these limits. Open with as little as $100.

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Penny Pincher Checking
The most economical of all our checking accounts. Get all the benefits of what others call a totally free checking account for just a penny a month. There is no minimum balance required to avoid service charges. There is a transaction fee of $0.10 per debit over 35 in a statement cycle. An overdraft protection limit of $750 is made available with no Annual Fee. Get an ATM/Debit Card for 24-hour access to account for just $0.99 per month. Try this option... pay just $2 monthly and get FREE check orders (200 checks per order) with our Traditions Check design whenever necessary. Open with as little as $100.

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Compare Checking Plans

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