Personal Checking

You'll enjoy Premium Interest rates for using eServices and you'll get ATM fee refunds up to $10 for each month you qualify for Reward Level 2 or 3 interest.

Earn Reward Level 1 interest* on all account balances with no qualification required. Upon qualification, earn Premium Interest up to 1.25% APY* on balances up to $20,000.

We'll waive the $10 monthly service fee when you maintain:

1. A minimum daily balance of $1,500 or...
2. A combined daily relationship balance** of $20,000 or greater or...
3. An Automatic Loan payment with State Bank.

Use three of the following free services each month to earn our higher Reward Level 2 interest, or use four each month to earn our Reward Level 3 interest.

• eStatements
• 15 debit card POS transactions
• 2 BillPay transactions
• Direct deposit

Click here for additional rate details Opens a New Window.

$25 minimum to open each account. Must meet minimum requirements each statement cycle. *The Annual Percentage Yield (APY) is accurate as of March 19, 2018, and the rate may change at any time. Fees could reduce earnings on this account. **Relationship balance includes checking, savings, money market, certificate of deposit and loan accounts. A $25.00 fee applies if a checking account is closed within 180 days of opening.

This interest-earning account is only for those 50 and older. Earn Reward Level 1 interest* on all account balances with no qualification required. Earn Reward Level 2 interest* on balances up to $20,000 upon qualification. You also receive free specialty wallet checks.

We'll waive the $7 monthly service fee when you maintain a minimum daily balance of $1,000, or make one direct deposit each month.

You'll earn Reward Level 1 Interest* when the account qualifier requirements are not met.

• Tier 1: $20,000 or less APY .01%
• Tier 2: Balance that is greater than $20,000 but no more than $50,000 APY range from .01% to .02%
• Tier 3: Balance that is greater than $50,000 APY range from .02% to .02%

Reward Level 2 Interest* - To receive the following Premium Interest tier rates, your account must meet three of the four qualifier requirements.

• Tier 1: $20,000 or less APY .15%
• Tier 2: Balance that is greater than $20,000 but no more than $50,000 APY range from .15% to .09%
• Tier 3: Balance that is greater than $50,000 APY range from .09% to .07%
• To qualify for Level 2 Interest, use three of these free services each month:
• eStatements
• 15 debit card POS transactions
• 2 BillPay transactions
• Direct deposit
• Automatic loan payment with State Bank

$25 minimum to open each account. Must meet minimum requirements each statement cycle. *The Annual Percentage Yield (APY) is accurate as of March 19, 2018, and the rate may change at any time. Fees could reduce earnings on this account. A $25.00 fee applies if a checking account is closed within 180 days of opening.

You'll get 5 cents back for every debit card purchase, and ATM fee refunds up to $10 per month with 15 debit card point of sale transactions and an additional Relationship account, includes savings, money market, certificate of deposit and loan accounts.

We'll waive the $8 monthly service fee when you maintain a minimum daily balance of $500* or use three of these free services each month:

• eStatements
• 15 debit card point of sale transactions
• 2 BillPay transactions
• Direct deposit
• Automatic loan payment with State Bank
• 2 ACH debits

$25 minimum to open each account. Must meet minimum requirements each statement cycle. A $25.00 fee applies if a checking account is closed within 180 days of opening.

This straightforward checking account requires no minimum balance and has low monthly fees.

We’ll waive the $3.95 monthly service fee when you use two of these free services each month:

• eStatements
• 15 debit card point of sale transactions
• 2 BillPay transactions
• Direct deposit
• Automatic loan payment with State Bank

Students require easy access to cash and we are here to help. The Next Gen Advantage creates fee waivers on Flex or Cash Rewards just by being age 18 to 25. 

$25 minimum to open each account. Must meet minimum requirements each statement cycle. A $25.00 fee applies if a checking account is closed within 180 days of opening. 

Students require easy access to cash and we are here to help. The Next Gen Advantage creates fee waivers on Flex or Cash Rewards just by being age 18 to 25.

For $10.99 – or $4.99 if you receive eStatements – you can also choose a Unique-2-U! debit card which allows you to upload your own photo or image to appear on the card. See Unique-2-U! FAQs Opens a New Window. for complete details.

$25 minimum to open each account. Must meet minimum requirements each statement cycle. Automatic loan payment must be to a State Bank loan. **Not valid with other offers. Available ages 18 to 25th birthday. Offer available to individuals without an existing checking account at State Bank. Does not bear or earn interest. A $25.00 fee applies if a checking account is closed within 180 days of opening. 

With the Visa Debit Card, you can make payments and purchases anywhere Visa is accepted. The funds are deducted from your checking account. And use the card to make cash withdrawals at ATMs nationwide.

For $10.99 – or $4.99 if you receive eStatements – you can also choose a Unique-2-U! debit card which allows you to upload your own photo or image to appear on the card. See Unique-2-U! FAQs Opens a New Window. , Image and Upload Guidelines Opens a New Window. , and Terms and Conditions Opens a New Window. for complete details.

We’ve also put together a “Switch Kit Opens a New Window. ” with the forms you’ll need to complete to make a smooth transition from your old bank.

• New Account Information Form Opens a New Window.
• Change of Direct Deposit Form Opens a New Window.
• Change of Automatic Withdrawal Form Opens a New Window.
• Request to Close Account Form Opens a New Window.

1. Download the entire kit or download the forms individually.
2. Just fill out the forms on your computer using Acrobat Reader (Once you complete information needed on more than one form, the Switch Kit automatically fills in that information on other forms).
3. Print your Switch Kit and sign each form where necessary.
4. Bring it to your local State Bank Banking Center and we’ll help you complete the process.

At State Bank, we work hard to ensure you have the tools and resources you need to be financially successful. That’s why we also offer:

• Copy of statements
• Check image statements
• Copy of cancelled check images
• Check cashing
• Cashier’s checks
• Counter checks
• Collection items
• Direct deposit
• Money orders
• Account research and balancing help
• Safe deposit box rental
• Wire transfers
• Night depository
• Notary and signature guarantee
• Coin sorting (at some locations)