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Cheyenne State Personal Banking Features:

Checking Accounts
Savings Accounts
Certificates of Deposit
Loans

 

 

Cheyenne State Bank Personal Checking Accounts

No Hassle "Free Checking"

  • Unlimited Check writing privileges
  • No monthly service charge
  • No minimum balance required
  • Free cancelled check storage (REQUIRED)
  • No interest earned
  • Requires $100.00 Opening deposit

 

Cheyenne State "50 + Checking"

"A Special Package for Individuals 50 and Over"

  • Unlimited Check Writing Privileges
  • No monthly service charges
  • No minimum balance required
  • Earns interest (interest paid and credited monthly)
  • Interest paid on daily collected balance
  • Free checks (Selected Styles) $5.00, discount on other designs (200
    checks per order)
  • No fee for cashiers checks, travelers checks or money orders
  • Free cancelled check storage on check imaging
  • Interest rate bonus on CD's (1 year or more) (.10 Basis Points)

 

Cheyenne State "Elite Checking"

  • No service charge if customer maintains $1,000
  • Unlimited check writing privileges
  • $12.00 service if minimum balance falls below $1,000
    anytime during statement cycle
  • Interest paid and credited monthly
  • Tiered Rates
  • $1,000 to $24,999
  • $25,000 and over
  • Free checks (Selected Styles) $5.00, discount on other designs (200
    checks per order)
  • No fee for money orders
  • Interest paid on daily collected balance
  • Free cancelled check storage or check imaging

 

 

Cheyenne State Bank Personal Savings

 

Regular Savings

  • No monthly maintenance fee if customer maintains $200 minimum
    balance
  • $3.00 service charge assessed if account falls below the $200
  • Interest is compounded daily & paid quarterly
  • Limited to 6 pre-authorized withdrawals per month
  • $1.00 fee for each withdrawal in excess of (6) per calendar month

 

Money Market Savings

  • $2.00 minimum balance to avoid
    service charge
  • $10.00 service charge if balance drops below $2,000 anytime during
    statement cycle
  • Account is limited to (6) pre-authorized withdrawals per month
    (3) which may be by check
  • Earns Interest - Tiered Rates ($2,000
    minimum balance to earn interest)
  • $2,000 to $24,999
  • $25,000 and over
  • Interest paid monthly

 

 

Cheyenne State Bank Certificates of Deposit

 

Wide Variety of Terms

  • 3 Month Fixed Rate
  • 6 Month Fixed Rate
  • 12 Month Fixed Rate
  • 18 Month Fixed Rate
  • 24 Month Fixed Rate

Tiered Rates

If account has original maturity of 1 year or less:

  • The fee imposed will equal ONE
    months interest on the amount
    withdrawn

If account has original maturity of more than 1 year:

  • The fee imposed will equal THREE
    months interest on the amount
    withdrawn
  • Interest Deposited into Cheyenne
    State Bank Checking or Savings account or compounded
  • Grace period 10 days after maturity
  • Automatically renews if not notified by customer within grace period
  • Early withdrawal penalties (Before Maturity)

    (In certain circumstances such as death
    or incompetence of an owner, the law
    permits the waiver of early withdrawal
    penalty).

Cheyenne State Bank Personal Loans

Consumer Loans

  • Recreational Vehicles
  • Automobiles
  • Computers
  • Home Entertainment Centers
  • Vacations
  • Boat

 

Consumer Loans

  • Cheyenne State Bank offers information packets on the Wyoming Student Loan Corporation program.

 

Home Equity Loans

  • Great for home improvement, debt consolidation, or taking that family vacation.
  • Fixed or variable rate loans
  • up to 90% of your homes value

 

Mortgage Loans

WCDA

  • 1st time hombuyer program
  • $0 down, even the majority of your closing costs can be financed
  • call today to see if you qualify

 

CONVENTIONAL

  • $0 down programs
  • fixed or variable rate loans, even interest-only products
  • primary rsidence, second home, and investment properties
  • purchase or refinance

 

VA

  • up to 100% loan to value plus VA funding fee