Free Checking


Write all the checks you want with no minimum balance!

Offering free checking makes us HAPPY. With our Free Checking Account, you can take advantage of all the great perks that HAPPY STATE BANK offers regardless of your account balance. We won’t charge you any fees for writing checks, banking online, using our convenient mobile app, and more. 

Our Free Checking Account includes:

  • Free ATM/Debit Card
  • Free HAPPY Online Banking Services
  • Free Online Bill Pay
  • Images of your cancelled checks are returned with your statement


Help your child build financial confidence for a lifetime.

HAPPY STATE BANK wants to help kids build a better tomorrow by teaching them financial literacy skills that will last a lifetime. 

Learn about Kids' Bank

Put your college student in charge of her or his money.

 If someone in your life is heading off to college, let HAPPY STATE BANK help you set them up for success and for life.

Learn about Checking 101