Checking & Savings
Our Checking & Savings Accounts
Adams State Bank offers a wide array of savings and checking accounts. Every customer has different goals and needs. The Federal Deposit Insurance Corporation insures all deposits offered by the bank up to $250,000. Pamphlets are available to explain FDIC coverage in depth. Our bank offers the following savings and checking accounts.
If you are interested in opening an account, please start by completing the Account Inquiry page.
Adams State Bank offers checking accounts with a variety of features to help you find the one that best fits your needs. We offer Student Checking, E-Checking, Business Checking and more.
Our accounts offer practical features, better benefits, and access to your money when and where you need it. All of our checking accounts include the following services at no cost to you.
Health Savings Accounts (HSAs)
Adams State Bank offers Health Savings Accounts to eligible individuals. HSAs are designed to cover medical expenses incurred by the HSA owner, the HSA owner's spouse and dependents. HSA contributions are tax-deductible and, if amounts are used for qualified medical expenses, distributions are tax-free.
Certificates of Deposit
Just the account you need to achieve higher interest rates with a fixed maturity. Choose from 3 months to 4 year maturities. Minimum deposit of $1,000.00. Interest compounded quarterly. Substantial penalty for early withdrawal. See our current rates.
Adams State Bank offers Traditional and Roth IRA’s. Rates are tied to the 6 month CD rate and are subject to change monthly. Interest is compounded monthly.
Passbook Savings Accounts
Perfect for short-term goals and liquidity. Interest is compounded quarterly.
Money Market Investment Account
A tiered rate investment account that offers higher rates than a Passbook account. The interest rate can change monthly and is compounded monthly.