Trusted Personal Banking Services
At Park Bank, we take pride in delivering reliable and personalized personal banking in Holmen, La Crosse, and Sparta WI, designed to support your financial journey at every stage of life. Whether you are opening your first account, saving for the future, or exploring lending options, we provide the tools, guidance, and local expertise you need to succeed. Our team is committed to face-to-face service, ensuring you always have direct access to knowledgeable bankers who understand your goals.
Checking Accounts That Work for You
We offer a range of checking options tailored to your everyday needs. From Kasasa Rewards
Checking to other personal checking accounts, we make it easy to manage your money while
earning benefits. Our accounts are designed with convenience in mind, giving you access to
online banking, mobile tools, and responsive customer support. With our personal banking
Services, we help simplify how you handle your finances every day.
Lending Solutions and Financial Support
In addition to deposit accounts, we offer lending solutions such as mortgages, personal loans, and even home loans to help you achieve important milestones. Our experienced team guides you
through the process from start to finish, ensuring clarity and confidence in every decision. Because we service our loans locally; you can count on consistent support throughout the life of your loan.
Safe and Secure Banking Options
We also provide safe deposit boxes to protect your valuable documents and belongings. Security
is a top priority, and we are dedicated to maintaining the highest standards to safeguard your
assets. When you choose our personal banking services, you gain peace of mind knowing your
finances are in trusted hands.
Experience the Difference of Local Banking
For generations, we have remained committed to delivering personalized service rooted in strong
community values. We believe banking should be simple, accessible, and built on relationships.
Our team is here to answer your questions, offer guidance, and help you make informed financial
decisions.
Get started with Park Bank today. Contact us or visit our Holmen, La Crosse or Sparta location to open your account and experience trusted personal banking built around you.
Frequently Asked Questions: Park Bank Personal Banking
We offer several checking account options designed to fit different financial lifestyles. These include reward-based accounts as well as standard checking solutions for everyday use. Each account comes with features that prioritize convenience, accessibility, and value for our customers.
Yes, we provide online account opening to make getting started simple and efficient. You can complete the process from the comfort of your home while still receiving the same level of support. Our team is also available if you need assistance during any step.
We offer a variety of lending solutions, including personal loans and mortgage-related products. These options are designed to help you finance important life events and purchases. Our team works closely with you to ensure you understand your options and choose the right solution.
We prioritize the safety and security of your funds through advanced systems and trusted banking practices. Our institution follows strict regulations to protect your financial information. You can feel confident knowing your money is handled with care and professionalism.
Kasasa Rewards Checking
Choose from a Kasasa Cash or Cash Back checking account, then add a
Kasasa Saver account for even more rewards.
Kasasa Cash Checking
Choose Kasasa Cash to earn interest on your account balance.
- 2.56% APY* on the entire portion of your average daily balances up to and
including $15,000. 2.56% to 0.42% APY* for that portion of the average daily balance over $15,000, depending
on the balance in the account. 0.01% APY* on the entire average daily balance if qualifications are not met
- Refunds on nationwide ATM withdrawal fees
- No monthly maintenance fees, no minimum balances to earn your rewards
Kasasa Cash Back Checking
Choose Kasasa Cash Back to earn rewards on your debit card purchases.
- Earn 3.00% cash back on debit card purchases, with up to $9.00 cash back each month**
- Refunds on nationwide ATM withdrawal fees
- No monthly maintenance fees, no minimum balances to earn your rewards
Whether you have a Kasasa Cash or a Kasasa Cash Back account, the qualifications to earn the
rewards are the same. To earn your rewards, the following enrollments must be in place and all transactions
and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly
Qualification Cycle:
- At least one direct deposit, ACH payment, or bill pay transaction(s)
- At least twelve debit card purchases, and
- Be enrolled in online banking and have agreed to receive e-statements rather than paper statements.
Kasasa Saver
Add a Kasasa Saver account to earn even more.
- 2.13% APY* on the entire portion of your average daily balances up to and including
$25,000. 2.13% to 0.42% APY* for that portion of the average daily balances over $25,000. 0.01% APY* on the
entire average daily balances if qualifications are not met in the linked Kasasa Cash, or Kasasa Cash Back
account
- Available only with a Kasasa Cash and Kasasa Cash Back checking accounts
*APY = Annual Percentage Yield.
All Kasasa accounts: Account transactions and activities may take one or
more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in
order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1)
banking day prior to the first day of the current statement cycle through one (1) banking day prior to the
last business day of the current statement cycle. No minimum balance is required to open the account, or
earn or receive the account's rewards. Rates and rewards are variable and may change after account is
opened. Fees could reduce earnings. Kasasa accounts are not to be used for commercial purposes. Limit of one
Kasasa Cash or Kasasa Cash Back account, and one Kasasa Saver account per social security number.
Kasasa Cash: When your Kasasa Cash qualifications are met during a Monthly
Qualification Cycle, average balances up to and including $15,000 in your Kasasa Cash account earn an
interest rate of 2.53% resulting in an APY of 2.56%; and average daily balances over $15,000 earn an
interest rate of 0.10% on the portion of the average daily balance over $15,000, resulting in a range from
2.53% to 0.42% APY depending on the account's average daily balance. You will receive reimbursements up to
$20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly
Qualification Cycle in which you qualified. ATM withdrawal fee refund per transaction is $4.99. When your
Kasasa Cash account qualifications are not met, the interest rate earned on the account's entire average
daily balance will be 0.01% resulting in an APY of 0.01% and ATM withdrawal fees are not refunded. Interest
and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash account will be credited to your
Kasasa Cash account on the last day of the current statement cycle. If you have a Kasasa Saver account
linked to your Kasasa Cash account, interest in Kasasa Cash does not compound because it is automatically
transferred to the Kasasa Saver Account within one business day. Note: Automatic transfer may cause an
overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when the
transfer occurs. Rates are variable and may change after account is opened.
Kasasa Cash Back: When Kasasa Cash Back qualifications are met during a
Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 debit card
purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back
payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to $20.00 for
nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly
Qualification Cycle in which you qualified. ATM withdrawal fee refund per transaction is $4.99. When your
Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees
are not refunded. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your
Kasasa Cash Back account will be credited to your Kasasa Cash Back account on the last day of the current
statement cycle. If you have a Kasasa Saver account linked to your Kasasa Cash Back account, rewards earned
in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the
current statement cycle.
Kasasa Saver: When your linked Kasasa Cash or Kasasa Cash Back account
qualifications are met during a Monthly Qualification Cycle, average balances up to and including $25,000 in
your Kasasa Saver account earn an interest rate of 1.68% resulting in an APY of 2.13%; and average daily
balances over $25,000 earn an interest rate of 0.10% on the portion of the average daily balance over
$25,000, resulting in a range from 2.13% to 0.42% APY depending on the account's average daily balance. When
your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the interest rate earned on
the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.01% resulting in an
APY of 0.01% APY. Interest earned in your Kasasa Saver account will be credited to your Kasasa Saver account
on the last day of the current statement cycle. A Kasasa Cash, or Kasasa Cash Back account is required to
have a Kasasa Saver account. Rates are variable and may change after account is opened.
Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, Ltd.,
registered in the U.S.A.
APY current as of 5/19/2026.
Open a Park Bank Kasasa Account Online
Other Personal Checking
Park bank offers the right type of checking account for you, including low minimum balance,
money market, interest checking, and our Mortgage Payor checking.
| TYPE OF ACCOUNT |
MINIMUM BALANCE |
NOTES |
INTEREST RATE |
ANNUAL PERCENTAGE YIELD |
| Spartan Insured Money Market Account |
$2,500 average daily balance or $15.00 service charge per statement cycle. |
Account must be opened at our branch in Sparta. |
2.11% |
2.13% |
| Insured Money Market Account |
$2,500 average daily balance or $15.00 service charge per statement cycle. |
None. |
2.11% |
2.13% |
| Mortgage Payor Checking |
None (Available to Mortgage Loan Customers Only) |
When the mortgage is paid, the account reverts to Park Bank Checking. Debit card available. |
None |
N/A |
| Park Bank Checking |
$49 minimum daily balance or $7.50 service charge per statement cycle. |
Debit card available. |
None |
N/A |
| Park Bank Checking with Interest |
$999 minimum average daily balance or $10 service charge per statement cycle. |
None. |
.28% |
.28% |
Rates may change after account is opened. Fees could reduce earnings. Contact Park Bank for
more information.
APY current as of 5/19/2026.
Open a Park Bank Checking Account Online
Savings
Put your money where it will work the hardest.
Certificate of Deposit
A CD, or certificate of deposit, is a type of federally insured savings account that has
a fixed
interest rate and fixed date of withdrawal, known as the maturity date.
A Park Bank CD is a reliable, safe form of investing with flexible maturity dates to fit
your needs.
|
Less than $10,000 Minimum Daily Balance
to Earn Annual Percentage Yield
|
| Term |
Interest Rate |
APY |
| 91 Day |
.24% |
.24% |
| 6 Month |
.50% |
.50% |
| 1 Year |
1.70% |
1.71% |
| 1 1/2 Year |
1.38% |
1.39% |
| 2 Year |
1.50% |
1.51% |
| 2 1/2 Year |
1.31% |
1.32% |
| 3 Year |
1.47% |
1.59% |
| 4 Year |
1.59% |
1.60% |
|
|
Minimum Daily Balance of $10,000 or More
to Earn Annual Percentage Yield
|
| Term |
Interest Rate |
APY |
| 91 Day |
.34% |
.34% |
| 6 Month |
.64% |
.64% |
| 1 Year * |
3.74% |
3.79% |
| 1 1/2 Year |
1.48% |
1.49% |
| 2 Year |
1.68% |
1.69% |
| 2 1/2 Year |
1.49% |
1.50% |
| 3 Year |
1.59% |
1.60% |
| 4 Year |
1.74% |
1.75% |
|
* Interest rate on the 1-year CD is a special, limited time offer
Penalties may be imposed for early withdrawal. $2,500 minimum balance is required to open account.
APY current as of 5/19/2026.
Savings Account
A Park Bank savings account is a great way to save money with easy access to it when
needed.
And,
there is no paper statement fee or dormant account fee for customers under 18 or 62 years of age or
older
(transaction fees still apply).
| Type of Account |
Minimum Balance |
Notes |
Interest Rate |
Annual Percentage Yield (APY) |
| Park Bank Savings |
$100 minimum average daily balance or quarterly service charge of $3.00. Service charge
of $1 for
each
debit transaction in excess of 18 per quarterly statement cycle. |
No paper statement fee or dormant account fee for customers under 18 or 62 years of age
or older
(transaction fees still apply). |
.26% |
.26% |
Rate may change after account is
opened. Fees could
reduce earnings.
Penalties may be imposed for early withdrawal. $2,500
minimum
balance is
required to open account.
Contact Park Bank for more information.
APY current as of 5/19/2026.
Open a Park Bank Savings or CD Account Online
Credit and Debit Cards
Get all the features and protections of the big bank cards, plus local support.
Park Bank's Visa® credit and debit cards have superior fraud protection and the latest features, including EMV
chip, and are Apple and Google Pay ready.
Park Bank Visa®
A Park Bank Visa® has many great features, including:
- Low Rate & No Annual Fee
- Travel Insurance and Advantages
- Online Services with MyCardStatement.com to view card activity, analyze
your spending, download statements, and make payments online.
Park Bank Debit Card
With its superior fraud protection, features and especially if paired with a Kasasa Cash Bank account, your Park
Bank debit card will be your go-to card.
- No Annual Fee
- EMV Chip and digital wallet ready
Debit cards are available to those with a Park Bank checking account in good standing.
Mortgage and Personal Loans
Safe Deposit Boxes
An old idea that still makes sense
Safe deposit boxes are ideal for protecting your irreplaceables from fire, theft or natural disasters*. It is
also a great solution for off-site data backup storage. With rates from $20.00 to $40.00 per year**, off-site
secure storage is one of the least expensive insurances against vital data loss you can purchase.
Boxes are available in Holmen and Sparta. Request your safe deposit box.
*Safe Deposit Boxes are not an FDIC insured product.
**Additional fees for lost key or box drill