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

 

Regular Checking*

  • Unlimited checks
  • Net Service Charge
    • $500.00 or greater                 *No Charge*
    • $ 499.99 to $ 400.00             $ 1.00      
    • $ 399.99 to $ 300.00             $ 2.00
    • $ 299.99 to $ 200.00             $ 3.00
    • $ 199.99 to $ 100.00             $ 4.00
    • $ 99.99 or below             $ 5.00

     

Pacesetter Club Account*

  • An alternative to net service charges {but not NSF charges}.
  • $ 5.00 per month club fee offers $ 10,000 in accidental death insurance.
    (On joint account, insurance is divided equally between account owners.)
  • $ 7.00 per month offers $ 30,000 in accidental death insurance PLUS $ 1,500 on each dependent child.
    (On joint account, insurance is divided equally between account owners.)
  • Free personalized checks.
  • No service charge for cashier check, or money orders.
  • 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 money orders.
  • 10% discount on safe deposit box rent.
  • Free notary service.
  • Unlimited check writing.
  • No net service charges.
  • Direct Deposit.

 

Student Checking Account*

  • Free personalized checks.
  • No net service charges.
  • Unlimited check writing.

 

Interest Bearing Consumer Checking Accounts

  • 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 all customers.



Interest Bearing Commercial Checking Accounts

  • Three on a page checks, one-write systems, continous forms, and special items are all available with this 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 all customers.






  • Regular Commerical Checking Account*

    • Three on a page checks, one-write systems, continous forms, and special items are all available with this account
    • Unlimited Checks
    • Net Service Charge
      • $500.00 or greater                  *No Charge*
      • $ 499.99 to $ 400.00             $ 1.00      
      • $ 399.99 to $ 300.00             $ 2.00
      • $ 299.99 to $ 200.00             $ 3.00
      • $ 199.99 to $ 100.00             $ 4.00
      • $ 99.99 or below              $ 5.00


      Free Service
      • Free Internet Banking & Billpay
      • Dormant Accounts
        • An account is dormant if there has been no deposit to or withdrawal from the account for any peroid of time designated by the Bank for the type of account. No interest will be paid on dormant savings accounts.
        • Dormant Account Fee - $10.00 per quarter





        • Overdraft Protection 
      • Ask your loan officer about this program.


      *Non-Sufficient funds charge $ 30.00 per check.
      *Stop payment charge $ 25.00
      *Charge for overdrawn account .000493=daily interest factor {APR=18%} on overdrawn balance.