Personal Banking Services

For more information relating to Deposits, please see our Service Fees, Fund Availability, Accounts Brochure and *Overdraft policies.

Totally Free Checking

A State Bank Group Banking ServiceFeatures: No minimum balance required. Minimum opening balance $100. No monthly minimum balance required. Monthly statement, Unlimited check writing, ATM accessibility, VRU accessibility. *Overdraft fee per item $35. ATM and Bookkeeping fee may apply (see fee chart). 

The Club ®

A State Bank Group Banking ServiceFeatures: Minimum opening balance $100. No monthly minimum balance required. Personalized Checks, Unlimited Check Writing, $10,000 Accidental death and Dismemberment Insurance, Medical Emergency Data Card, Luggage Protection, varying percentage Lodging Discounts, Car Rental, RV Lodging, Chain Discounts and more. Movie Theater Discounts, Savings on Special Services, Theme Park Discounts, and Other Attractions. Grocery Coupons, Golf Discounts, Bonus Travel, Sojourns™ Magazine Subscription, Hotel Savings Network, Discounts at Popular Lodging Chains, Cashier's Checks, and Money Orders. Deposit of Social Security and Payroll Checks, 24-Hour ATM Convenience, Photocopy Service, Bank-by-Mail, $8.00 monthly maintenance service charge. *Overdraft fee per item $35. ATM and Bookkeeping fees may apply (see fee chart).

The Club Plus

A State Bank Group Banking ServiceFeatures: Minimum opening balance $100. No monthly minimum balance required. Cashier's Checks and Money Orders. Increase your security with the Family Plan, Auto Emergency Information Log, $9.00 monthly maintenance service charge. *Overdraft fee per item $35. ATM and bookkeeping fees may apply (see fee chart).

Student Checking

A State Bank Group Banking ServiceFeatures: Minimum opening balance $25. No monthly minimum balance required. *Overdraft fee per item $35 Monthly statement and unlimited check writing, ATM Debit Card (with Approval). ATM & Bookkeeping fees may apply (see chart). Joint account with parent. Parent can deposit funds into the account at the bank or use direct deposit. *Overdraft protection available (ask for details). Students can bank at their convenience from their dorm room.

Now Checking

A State Bank Group Banking ServiceFeatures: Minimum opening balance $1000. Minimum daily balance $1000. Unlimited Check writing. ATM accessibility, VRU accessibility. Monthly imaged statement. Interest terms: Interest begins to accrue on the business day you deposit cash or non cash items (example: checks). Interest is computed on daily balance. Interest is compounded daily and credited monthly. **Interest Rate and APY are variable rate and subject to change at any time. Account Charges: Monthly maintenance service charge if the daily balance drops below $1000 any day of the month is $6. *Overdraft fee per item $35. ATM and bookkeeping fees may apply (see fee chart). For-profit organizations are not eligible for Now Accounts. This includes all organizations operated for profit, such as corporations, partnerships, associations and business trusts (but not sole proprietorships).

Money Market Plus

A State Bank Group Banking ServiceFeatures: Minimum balance $10,000. Minimum opening balance $10,000. Monthly imaged statement, Unlimited transfers in the bank, withdrawls limited to six per month. ATM accessibility, VRU accessibility. Interest terms: **Interest Rate and APY are variable rate for each balance tier and is subject to change at any time. Interest begins to accrue on the business day you deposit cash or non-cash items (example checks). Interest is computed on daily balance. Interest is compounded daily and credited monthly. Refer to current rate sheet Account Charges:  Monthly maintenance service charge of $26 if the daily balance drops below $10,000 any day of the month. *Overdraft fee per item is $35. ATM and bookeeping fees may apply (see fee chart).

Money Market Account

A State Bank Group Banking ServiceFeatures: Minimum balance $1000. Minimum opening balance $1000. **Interest Rate and APY are variable rate subject to change at any time, monthly imaged statement, up to six withdrawals per month by preauthorized, automatic, or telephone transfer – unlimited transfers are allowed in person and at the ATM.. ATM accessibility, VRU accessibility. Interest terms: Interest begins to accrue on the business day you deposit cash or non-cash items (example checks). Interest is computed on daily balance. Interest is compounded daily and credited monthly. Accounts closed before the end of the statement cycle forfeit accrued interest. Account Charges: Monthly maintenance service charge of $6 if the daily balance drops below $1000 any day of the month. *Overdraft fee per item is $35. ATM and bookeeping fees may apply (see fee chart).

Classic Checking

A State Bank Group Banking ServiceFeatures: Minimum balance $200. (except for within the month opened). Minimum opening balance $100. Monthly imaged statement, Unlimited check writing, ATM accessibility, VRU accessibility. Account Charges: Monthly maintenance service charge if the daily balance on any given day of the month drops below $200 is $7. *Overdraft fee per item $35. ATM and bookkeeping fees may apply (see fee chart)

CD Checking

A State Bank Group Banking ServiceFeatures: Minimum balance $20,000. Minimum daily balance $20,000. Monthly imaged statement, Unlimited Check writing. ATM accessibility, VRU accessibility. Interest terms: Interest begins to accrue on the business day you deposit cash or non cash items (example: checks). Interest is compounded on daily balance. Interest is compounded daily and credited monthly.   Accounts closed before the end of the statement cycle forfeit accrued interest. Account Charges: Monthly maintenance service charge if the daily balance drops below $20,000 is $26. *Overdraft fee per item is $35. ATM and bookkeeping fees may apply (see fee chart). For-profit organizations are not eligible for CD Checking Accounts. This includes all organizations operated for profit, such as corporations, partnerships, associations and business trusts (but not sole proprietorships).

Statement Savings

A State Bank Group Banking ServiceFeatures: Minimum balance $100. Minimum opening balance $100. Monthly statement. Up to six withdrawals per month by preauthorized, automatic, or telephone transfer – unlimited transfers are allowed in person and at the ATM. ATM accessibility, & VRU accessibility. Interest terms: Interest is computed on daily balance. Interest is compounded daily and credited monthly. Interest begins to accrue on the business day you deposit cash or non-cash items (example: checks). **Interest Rate and APY are variable rate and subject to change at any time. Accounts closed before the end of the statement cycle forfeit accrued interest. Account Charges: Monthly maintenance service charge if the balance drops below $100 any day of the month is $3. Fee for withdrawals exceeding six per month is $1 per withdrawal. Overdraft fee per item is $35.  ATM and bookeeping fees may apply (see fee chart).

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