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New Club Account Feature
Get 4 free ATM withdrawals per calendar month with our new Club debit Card. To order, visit your local branch office today. To qualify you must have a Club Plus, Club NOW Plus, Club Family Plus or 49 Plus account.
Don’t have a Club Plus account? Visit any of our branches to upgrade your checking account, get our new Club debit card and take advantage of these savings.
Club Plus Checking
For those who want a little more from their bank, our Club Plus Checking account offers a wide range of benefits for only $7.50 per statement cycle – an incredible value, considering the hundreds, even thousands of dollars in benefits.
- Unlimited check writing
- Free Club Plus personalized checks
- Free debit card
- 4 free ATM withdrawals per calendar month
- Discounts on Travel Card
- Discount on safe deposit box
- Image statements
- $10,000 accidental death insurance
- Savers Club discount book – a coupon book full of savings across the country
- Free cashier checks per statement cycle
- My GetAway Vacation
- Everyday Rebate Rewards – 10% back on products you use every day
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.

Club Family Plus
Club Family Plus checking offers the same time- and money-savings services and benefits as our Club Plus Checking account, plus additional insurance coverage for the entire family ($20,000 - accidental death, $10,000 coverage for spouse, $1,500 coverage for each dependent child) for only $9.50 per statement cycle. Just like the Club Plus Checking account, the minimum opening deposit is just $100 and there is no need to maintain a minimum balance to receive all services and benefits.

NOW Account
Will your opening deposit be $1,000 or more? If so, we suggest you put your money to work earning interest with our NOW Account. Not only do you earn money on your deposits, our NOW Account is also free if you maintain a balance $1,000 or more. The monthly fee is only $8 if your balance drops below this amount.
- Interest bearing
- Free debit card
- Unlimited check writing
- Image statements

Club NOW Plus
Get the best of everything with our Club NOW Plus account – earning interest on your deposits AND all the benefits of our Club Family Plus account. It’s an incredible value for just $9.50 membership fee per statement cycle. (If your account balance is below $1,000, there is an additional fee of $8 per statement cycle.)
- Interest bearing
- Unlimited check writing
- Free Club Plus personalized checks
- Free debit card
- Savers Club discount book – a coupon book full of savings across the country
- Free cashier checks per statement cycle
- Discount on Travel Card
- Discount on safe deposit box
- Image statements
- Accidental death insurance for your entire family - $20,000 on you, $10,000 on your spouse and $1,500 for each dependent child
- Savers Club discount book – a coupon book full of savings across the country
- My GetAway Vacation
- Everyday Rebate Rewards – 10% back on products you use every day
The minimum opening balance for Club NOW Plus is $1,000.

49 Plus
Designed to meet the needs of our customers who are 49 or older, the 49 Plus 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. The minimum opening deposit is only $100 and there are no monthly fees if you maintain a low $300 minimum balance. Below this level, the monthly fee is just $5. If you are in your prime years, this is the account for you.
- Interest bearing
- Unlimited check writing
- Free 49 Plus personalized checks
- Free debit card
- 3 free cashier checks per statement cycle
- Discount on Travel Card
- Discount on safe deposit box
- Image statements
- $100,000 accidental death insurance on a licensed common carrier
- Savers Club discount book – a coupon book full of savings across the country
- My GetAway Vacation
- Everyday Rebate Rewards – 10% back on products you use every day
- Rx Advantage – discounted pricing on many prescription medicines

Premium Market Account
For those who maintain higher balances in their checking accounts, the Premium Market Account is a Money Market Account 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 $2,500 balance and we’ll waive the maintenance fee of $15 per statement cycle. With a Premier Market Account, you can have up to six preauthorized transfers per month, with up to three being by check. Excessive transaction withdrawals beyond this number are $10 each. You also receive free Premium Market VSB personalized checks.

VSB Premier Savings Plus
Open a VSB Premier Savings Plus account with a minimum deposit of $25,000 and start earning some of the highest rates we offer on Money Market accounts. These tiered interest rates go up as your balance grows. Maintain a $25,000 balance and we’ll waive the maintenance fee of $10 per statement cycle.

Free Checking
Open a Free Checking account with a minimum $100 deposit and receive:
- No monthly service charges
- Unlimited check writing
- Free debit card
- Monthly statements
- Overdraft Privilege Service (Offered to eligible personal checking accounts. See local branch for disclosure documents.)
There is never a service fee with our Free Checking account. You do not need to maintain a minimum balance to receive all of these services.

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