Deposit Products

Banking is personal. After all, you entrust a bank with your livelihood. You should expect to be treated with courtesy and respect, and you should have confidence in the financial knowledge and professionalism of everyone handling your money.

If you’re a Volunteer State Bank customer, you know what we mean. If not, we invite you to come into any of our nine locations and see for yourself. We are real people, with real solutions, right here. Open a Volunteer State Bank account and find out how great community banking can be.

For more information on Personal Products, contact your local branch.

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saversclub

With Savers Club you’ll
find thousands of
discount offers
on all your
entertainment, travel and
liesure needs.

Volunteer Club

For those who want a little more from their bank, our Volunteer Club account offers a wide range of benefits for only an $8 membership fee per statement cycle – an incredible value, considering the hundreds, even thousands of dollars in benefits. For Family Insurance coverage, the monthly membership fee is only $10.

The minimum opening deposit is just $100 and there is no need to maintain a minimum balance to benefit from all of the Club Plus Checking special services listed above.

Switch your Accounts to VSB.
It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • Unlimited check writing
  • Free personalized club checks
  • Free check card
  • 3 Free cashier’s checks per month
  • 4 free foreign ATM withdrawals per calendar month
  • Discount on safe deposit box
  • Free Online banking / bill pay
  • eVue electronic statements OR image statements
  • .25% bump on CD interest rate
  • Identity Theft Insurance with fraud assistance
  • Single credit alert
  • Everyday rebate rewards
  • Discounted gift cards
  • Savers Club Book – a coupon book full of savings across the country
  • Sojourns Magazine
  • $10,000 Accidental Death Insurance

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saversclub

With Savers Club you’ll
find thousands of
discount offers
on all your
entertainment, travel and
liesure needs.

Volunteer Club 55

Designed to meet the needs of our customers who are 55 or older, the Volunteer Club 55 account offers more benefits than any other checking account at Volunteer State Bank and is our greatest value – PLUS it is an interest bearing account on daily balances of $500 and greater. The minimum opening deposit is only $100 and there is no monthly fee if you maintain a low $500 minimum balance. Below this level, the service charge is just $5. If you are in your prime years, this is the account for you.

Switch your Accounts to VSB.
It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • Interest bearing on daily balance of $500 and greater
  • Unlimited check writing
  • Free personalized Club 55 checks
  • Free check card
  • 4 free foreign ATM withdrawals per calendar month
  • 3 free cashier’s checks per month
  • Discount on safe deposit box
  • Free Online banking / bill pay
  • eVue electronic statements or Image statements
  • .25% bump on CD interest rate
  • Identity theft insurance with fraud assistance
  • Everyday rebate rewards
  • Rx Advantage – discounted pricing on many prescription medicines
  • Savers Club Book – a coupon book full of savings across the country
  • Sojourns Magazine
  • $100,000 accidental death insurance on a licensed common carrier

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Interest Checking

Will your opening deposit be $1,000 or more? If so, we suggest you put your money to work earning interest with our Interest Checking Account. Not only do you earn money on your deposits, our Interest Checking Account has no monthly fees if you maintain a balance of $1,000 or more. The service charge is only $10 if your balance drops below this amount during the statement cycle.

Switch your Accounts to VSB.
It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • Interest bearing
  • Free check card
  • Unlimited check writing
  • Free online banking / bill pay
  • eVue electronic statements or Image statements

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Volunteer Relationship Checking

An Interest bearing checking account for customers who maintain large balances in related deposit accounts . The minimum opening deposit is $100. If you have $50,000 in combined daily deposit balances (Checking, Savings, Certificate of Deposit & IRAs) , the $20 monthly service charge is waived.

Switch your Accounts to VSB.
It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • Unlimited check writing
  • Free personalized relationship checks
  • Free check card
  • 3 Free cashier’s checks per month
  • 4 Free foreign ATM withdrawals per month
  • Discount on safe deposit box
  • Free online banking / bill pay
  • eVue electronic statements or image statements
  • .25% bump on CD interest rate
  • Premium interest on checking balance

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Volunteer Choice Checking

Open a Volunteer Choice Checking account with a minimum $100 deposit.

You also have your “Choice” of Service Charge:

  • No Service Charge with Direct Deposit & eVue Electronic Statements or
  • A $4 monthly Service Charge without Direct Deposit & eVue Electronic Statements

Switch your Accounts to VSB.
It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • Unlimited check writing
  • Free check card
  • Free online banking / bill pay
  • Monthly eVue electronic statements or Non-Image statements

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Premium Market Account

For those who maintain higher balances in their checking accounts, the Premium Market Account is an option for extra earnings. Open an account with a $2,500 deposit and begin earning higher interest rates on your money — the higher the balance, the greater the interest rates. Maintain a minimum $5,000 balance and we’ll waive the service charge of $15 per statement cycle. With a Premium Market Account, you can have up to six pre-authorized withdrawals per month. There is an excessive transaction fee of $10 for each withdrawal over six. You also receive your first order of personalized Premium Market checks free.

Switch your Accounts to VSB.
It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.


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Regular Savings

With an opening deposit of $100, you can start earning interest on your money. Interest is compounded quarterly. Withdrawals are limited to six per month and are subject to an excessive withdrawal fee of $3 per withdrawal over six. Maintain a $100 balance and we’ll waive the monthly service charge of $3. The monthly service charge may be waived for minors until the age of 18.

Switch your Accounts to VSB.
It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

* Low minimum balance


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Certificate of Deposit

For those who want higher rates of return on their money, consider purchasing a Certificate of Deposit.   Our CDs offer guaranteed yields, flexibility, and the safety of FDIC insurance. That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures. You know exactly what return you’ll get and when you’ll get it.  Also, Volunteer State Bank CDs offer competitive rates and the convenience of automatic renewal at the end of the term. We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. We have terms starting at 90 days and extending to up to five years.  To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test. Then request a CD quote from one of our Customer Services Representatives today by contacting your local office.