Our Oak Creek branch at 6400 S. 27th St. is closed for remodeling, please continue banking with us online or at our grocery store location next door (6462 S. 27th St.).

Personal Checking

You can't go wrong

From our Student Checking Account for those just starting their financial journey, to our our even more rewarding accounts for those who want to earn interest, Tri City is your go-to destination for deposit accounts.


Personal Checking Comparison1

Personal Checking Account Comparison Table
  Student Checking Account Everyday Checking Account Advantage Checking Account Advantage+ Checking Account
Description Just starting your financial journey? No problem! If you're looking for the basics. Earn interest and enjoy digital banking features. Spend, save, earn interest — do it all!
Minimum to Open $25 $50 $50 $100
Minimum Required Balance $0 $0 $1,500 OR $15,000 combined2 $5,000 or $25,000 combined3
Monthly Maintenance Fee No Fee!1 No Fee!1 $15 $25
Ways to Avoid Monthly Fee No Fee! No Fee! Maintain minimum balance OR maintain combined balance2 OR One ACH direct deposit each statement cycle

Maintain minimum balance OR maintain combined balance3 OR Age 65+ 

Quickly Send and Receive Money through Zelle® Yes 7 Yes Yes Yes
Tap-to-Pay debit card Yes 4 Yes Yes Yes
Interest Earning     Yes Yes
No Fee withdrawals at non-Tri City ATMs per statement cycle Unlimited 2 2 2
Grace Amount for overdrawn balances5 No overdrafts allowed 5 $25 5 $25 5 $25 5
Learn More  Student Checking  Everyday Checking Advantage Checking  Advantage+ Checking


Great account features available on all personal checking accounts!

FREE mobile banking with mobile deposit6

FREE Visa® debit card with controls and alerts

FREE online banking and bill pay

Personal Checking FAQ

What do I need to open a checking account at Tri City National Bank?

  • Valid picture identification
  • Social Security Number or Individual Taxpayer Identification Number (ITIN)
  • Opening deposit (minimum requirement varies by account)

What is a valid form of picture identification?

  • Valid (not expired) Wisconsin driver’s license or identification card
  • United States passport
  • Government or military ID
  • Resident alien card
  • For customers new to Wisconsin, a valid picture driver’s license from another state

What is ChexSystems?

ChexSystems is a nationwide reporting and collection agency. The agency is used by most financial institutions to collect and track individuals who owe money to banks and who have mishandled their bank accounts.

Can I go to any Tri City branch or only the one where I opened my account?

You may conduct your banking at any of our convenient locations.

How can I access my account information?

You may access your account information, including transactions that have cleared, 24 hours a day, every day, via Digital Banking.

To access Telephone Banking, call 414-874-2489 or 888-874-2489. You must be enrolled and choose a PIN to be able to access Telephone Banking. To enroll, stop by any of our convenient locations.

What type of information can I access through Telephone Banking?

If you have enrolled in Telephone Banking and chosen a PIN, you may access deposit and loan account balances, discover what transactions have posted to your account, and find interest information on deposit and loan accounts.

Also, you may transfer funds between your accounts if you have a signed Balance Transfer Agreement on file. To complete a Balance Transfer Agreement, call 414-874-2489 or 888-874-2489 and please press “0” to speak to a Customer Service Representative or stop by any of our convenient locations.

When are Customer Service Representatives available through Telephone Banking?

You may press “0” to speak to a Telephone Banking Customer Service Representative during the following days and times:

  • Monday – Friday: 8:30 a.m. – 6:00 p.m.
  • Saturday: 8:30 a.m. – 2:00 p.m.

Does Tri City National Bank have a deposit cutoff time?

No. All deposits made during regular banking hours within any of our branches will be credited on the day of deposit. Deposits made on Saturdays, Sundays and federal holidays will be credited on the next business day.

What is Tri City National Bank’s Funds Availability Policy?

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Funds from electronic direct deposits into your account will be available on the day we receive your deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. 

For determining the availability of your deposits, every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a non-business day, we will consider that the deposit was made on the next business day we are open.

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid.

Why should I use direct deposit?

Electronically depositing your check into your Tri City account is a faster and more secure method of receiving funds — no more worrying about having your check delayed or lost/stolen in the mail. The money is posted to your account the day we receive your deposit.

What is the routing number?

Our routing number is 075001199. Routing number is also called an ABA, transit or banking number.

On personal checks, your account number is the second set of numbers.

The third set is your check number. This should match the check number in the top-right corner of your check.

You will need the routing and account numbers for direct deposit, wire transfers and other electronic transactions.

What is Automatic Transfer?

Automatic Transfer is a free service we provide that allows you to transfer money between two Tri City accounts on a recurring basis. When you sign up for Automatic Transfer, you choose the account that you want to take money from, the account that you want to receive the money, the amount you would like to continually transfer, and what day or days you would like the transfer to occur.

For example, you could sign up to transfer $50 from your checking account to your savings account on the 15th of every month. Then you sit back and watch your savings account grow while we automatically take care of transferring $50 every month from checking into savings.

To sign up for Automatic Transfer, stop by any of our convenient locations to get started.

What is Overdraft Protection Transfers?

Overdraft Protection Transfers are a service we provide where we link your checking account to your savings account. If your checking account becomes overdrawn and your savings account has sufficient available funds, the amount of the overdraft will automatically be transferred from your savings into your checking account to cover it. There is a $10 fee per transfer.

To sign up for Overdraft Protection, stop by any of our convenient locations to complete an application.

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