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Deposits

Consumer Banking

Checking Accounts

For current interest rates click here

  Minimum Opening Deposit Monthly Maintenance Fee Features
Freedom Checking $100 $0
  • No fee Debit Card
  • No minimum balance
  • No monthly service fees
  • Online Banking
  • eStatements
Quality Checking $100 $0 for balances of $200 or more
  • No fee Debit Card
  • Images of cancelled checks are returned
  • Online Banking
  • eStatements
NOW Checking $100 $0 for balances of $500 or more
  • No fee Debit Card
  • Images of cancelled checks are returned
  • Interest will be paid on daily balance of $500 or more
  • Online Banking
  • eStatements
Senior Checking $100 $0
  • Customers 55 years old or older
  • No fee Debit Card
  • No minimum balance
  • Interest will be paid on daily balance of $500 or more
  • Images of cancelled checks are returned
  • No fee for Official Checks - limit 2 per month
  • No fee for Stop Payments
  • No fee for Telephone Transfers
  • Online Banking
  • eStatements

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Overdraft Protection
  • Ready Reserve Checking – Ready Reserve is a revolving line of credit available through your State Bank checking account. It gives you the convenience of small loans on demand, in addition to the security of overdraft protection. Money will be advanced automatically to your checking account when needed. An annual fee applies for this service. To protect your account from overdraft fees contact a member of our Retail Banking team for an application today.
  • Savings to Checking Transfer – Money is automatically transferred from your savings account to your checking account when needed. A transaction fee applies for this service. To protect your account from overdraft fees contact a member of our Retail Banking team today.

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Savings Accounts

For current interest rates click here

  Minimum Opening Deposit Monthly Maintenance Fee Features
Money Market Savings $1000 $0 for balances of $1000 or more
  • Interest compounded and credited monthly
  • Tiered interest rates
  • Online Banking
  • eStatements
Statement Savings $100
$25 if account holder is 18 years old or younger
$0 for balances of $100 or more
  • Interest compounded and credited quarterly
  • Online Banking
  • eStatements
Thrift Savings $25 $0 if less than 2 withdrawals per month
  • No minimum balance required
  • Online Banking
  • eStatements
Christmas Club $0 $0
  • No minimum balance required
  • Interest paid annually
  • Checks issued for account balance in November
  • Online Banking
  • eStatements

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Certificates of Deposit

For current interest rates click here

  Minimum Opening Deposit Monthly Maintenance Fee Features
Certificates of Deposit $1000 $0
  • Maturity terms from 91 days to 3 years
  • Interest compounded and credited quarterly
  • Online Banking
  • eStatements
Individual Retirement Arrangements $1000 $0
  • Traditional, Roth and Simplified Employee Pension Plans available
  • Maturity terms from 12, 30, or 60 months
  • Options to "bump-up" interest rates on 30-month and 60-month terms
  • Online Banking
  • eStatements

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Business Banking

  Minimum Balance Monthly Maintenance Fee Activity Fees Features
Business Checking To open account: $500

Monthly: None
$10
  • $.10 Per deposit/ electronic credit
  • Items deposited
    – $.05 On-Us checks
    – $.07 All other checks
  • $.15Per check/ electronic debit
  • Designed for businesses that write and deposit a higher volume of checks
  • Earnings Credit Available
  • Account Analysis Statement
  • Business Check Card
  • Images of cancelled checks returned
  • Month-end Statement
  • Online Banking
  • eStatements
Small Business Checking To open account: $100

Monthly: $ 250 average balance
$0 for average balances of $250 or more No fee for the first 50 checks/debits per month; then $.25 each
  • Designed for small and seasonal customers with low activity
  • Business Check Card
  • Images of cancelled checks returned
  • Month-end Statement
  • Online Banking
  • eStatements
Organization Checking To open account: $100

Monthly: None
$0 $0
  • Designed for non-profit community organizations
  • Business Check Card
  • Images of cancelled checks returned
  • Month-end Statement
  • Online Banking
  • eStatements

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Please stop in, email or call Lynn Lambrecht, Michael Winterfeldt, Roseann Youngdahl at (952) 873-2296 for more information regarding our Deposit services.

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