Personal Checking Accounts

Personal Checking Accounts For The Entire Family
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Account Name
Benefits Minimum to Open
Interest Earnings
Annual Percentage Yield (APY)
Maintenance Fee
Watchdog Checking

Identity Theft Monitoring & Resolution Service

Learn how to Download the App for fast access to IDProtect ®


Open Watch Dog Checking Online or at a Banking Center


For a $5.95 per month maintenance fee, Watchdog Checking features Online & Mobile Banking, Bill-Pay, Mobile Deposit and more. Plus its loaded with protection that safeguards your identity and helps you recover if you become a victim of ID theft.

Student & Active Military fee waiver available.

Easy Money Checking

Earns high interest;

ATM fees refunded


Open Easy Money Checking Online or at a Banking Center

0.50% APY on balance up to $9,999.99

No monthly maintenance fee when you meet a few basic requirements.

Student & Active Military fee waiver available.


Fee waived with eStatements


Open eChecking Online or at a Banking Center


When you enroll / receive eStatements, the fee for this account is waived. $5.95 per month if not.

Student & Active Military fee waiver available.

Personal Health Savings Account (HSA)

Interest accrues tax-free in an HSA*

*Check with your tax advisor for eligibility.


Open an HSA Online or at any Banking Center

3 levels of tax advantaged earnings:
• $500.00-$4,999.99
• $5,000.00-$14,999.99
• $15,000.00+

(Contact us for current rates)

First year waived. The monthly maintenance fee of $2.50 will be waived with a daily balance of $1,500 during each statement cycle.

Teen Checking Program

Your first checking account is an important step toward developing necessary skills to manage your money, and manage your life!
To help with this, our Teen Checking Program is available to Teenagers age 13 and older. This program gives teens the opportunity to open a Blackhawk Bank checking account, as long as it is held jointly with a parent or guardian. We’ll talk with you about your expectations and needs, and then guide you to the best checking account for your lifestyle.
To learn more about this product, click here

Questions? Just call a Personal Banker at an office near you. Here's more helpful information:

Fee Waiver for Students and Active Military Personnel

The monthly maintenance will be waived for Students until June 15th of the year following their 18th birthday, or while pursuing studies at a post-secondary school. The monthly maintenance fee will be waived for active-duty Military members. Please contact us after age 18 with your Student ID / Military Service Papers, and annually thereafter. 

Debit MasterCard

Free transactions at any ATM with the Blackhawk Bank logo displayed on it, plus 4 transactions per statement cycle at foreign ATMs (those not owned or co-operated by Blackhawk) without a fee. The foreign ATM fee for transactions exceeding 4 per statement cycle is $2.00 per transaction.

Online & Mobile Banking

Get account alerts, check balances, verify deposits / withdrawals, confirm cleared checks, transfer funds, make payments to loans, use mobile check deposit, calculators and more. 

Order Checks

Note: When ordering checks online from Deluxe, your checks will be charged to your checking account. If you have an account that provides you with free checks, please contact a Personal Banker at Blackhawk Bank, 608.364.8911 or toll-free 800.209.2616 to place your order. 

Sign Up for eStatements & Notices

Read how to enroll for eStatements; ask your Banker to combine all your deposit accounts onto one e-Statement! 

Personal Banking clients: To learn how to enroll in eStatements, please click here.

Business clients: To enroll in eStatements, login to your Business Online Banking account and click on Documents, followed by Sign Up/Changes

Overdraft Options Guide 

This guide will help save you from additional charges and possible damage to your credit history should your account have insufficient funds. 

Direct Deposit

Eliminates the chance of your check being lost in the mail or stolen. Enroll with a Personal Banker. 

Safe Deposit Boxes

Protect your valuables from theft by storing them in a private, secure Safe Deposit Box. Please call for Box sizes and availability:
Safe Deposit Box Vaults are located at:

Please call an office near you for Safe Deposit Box availability.