Here at State Bank and Trust we have several different types of checking accounts to suit almost any need. Listed below are several different types of accounts that we have available here for our customers.

Regular Checking*

• Unlimited checks
• Minimum Balance Charge
  • Over $ 500.00                    No Charge                 
  • $ 500.00 to $ 400.00             $ 1.00      
  • $ 400.00 to $ 300.00             $ 2.00
  • $ 300.00 to $ 200.00             $ 3.00
  • $ 200.00 to $ 100.00             $ 4.00
  • $ 100.00 to $    5.00              $ 5.00

   

Pacesetter Club Account*

• An alternative to minimum balance charges {but not NSF charges}.
• $ 5.00 per month offers $ 10,000 in accidental death insurance.
• $ 7.00 per month offers $ 30,000 in accidental death insurance PLUS $ 1,500 on each child.
• Free personalized checks.
• No service charge for cashier check, travelers checks, or money orders.
• $ 5.00 Savings deposit for $ 50.00 deposit made by customer {one time only with certificate}.
• 5% interest refund on timely repayment of installment loan {with certificate}.
• 10% annual discount on safe deposit rent.

Golden Checking*

If you are 55 or older you qualify for special privileges with our Golden Checking Account.

• Free personalized checks
• No service charge on travelers checks and money orders.
• 10% discount on safe deposit box rent.
• Free notary service.
• Unlimited check writing.
• No minimum balance service charges.
• Direct Deposit.

Student Checking Account*

• Free personalized checks.
• No minimum balance service charges.
• Unlimited check writing.

Now Account*

• Interest bearing checking account.
• Variable rates.
• $ 1,000.00 Minimum balance.
• If account balance falls below $ 1,000.00 there is a $ 10.00 service charge.
• Unlimited transactions.
• Available to individuals, sole proprietorships, certain non-profit organizations, and governmental units.

Money Market Deposit Account*

• Interest bearing checking account with limited transactions.
• Variable rates.
• Six withdrawal per statement cycle.
• $ 2,500.00 Minimum balance.
• If account balance falls below $ 2,500.00 there is a $ 10.00 service charge plus NOW account interest is paid.
• Available to all depositors.

Overdraft Protection 

• Ask your loan officer about this program.