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Deposits The State Bank Group is participating in the FDIC's Transaction Guarantee Program. For more information relating to Deposits, please see our Service Fees, Fund Availability, Accounts Brochure and *Overdraft policies. Features: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 $30. ATM and Bookeeping fee may apply (see fee chart). Return to menu Features: 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, All for $7 a Month. *Overdraft fee per item $25. ATM and Bookeeping fees may apply (see fee chart). Return to menu Features: 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, Auto Trip Routing, and Notary Service, All for Only $8 Monthly Membership fee. *Overdraft fee per item $25. ATM and bookeeping fees may apply (see fee chart). Return to menu Features: 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 minimum balance fee if the daily balance on any given day of the month drops below $200 is $6. *Overdraft fee per item $25. ATM and bookeeping fees may apply (see fee chart). Return to menu Features: Minimum opening balance $100. No monthly minimum balance required. Primary account holder must be age 55. Monthly imaged statement, Unlimited check writing, ATM accessibility, VRU accessibility. Account Charges: *Overdraft fee per item $25. ATM fees may apply (see fee chart). Return to menu Features: Minimum opening balance $25. No monthly minimum balance required. *Overdraft fee per item $30. Monthly statement and unlimited check writing, ATM Debit Card (with Approval). ATM & Bookeeping 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. Return to menu Features: Minimum opening balance $1000. Minimum daily balance $1000. Unlimited transfers in the bank, 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 minimum balance fee if the daily balance drops below $1000 any day of the month is $5. *Overdraft fee per item $25 and bookeeping 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). Return to menu Features: Minimum balance $20,000. Minimum daily balance $20,000. Monthly imaged statement, Unlimited transfers in the bank, and 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. **Interest Rate and APY are variable rate subject to change at any time. Balance up to $19,999.999 - Our current Now account rate. $20,000 and greater - Our current 3 Month CD rate. Accounts closed before the end of the statement cycle forfeit accrued interest. Account Charges: Monthly minimum balance fee if the average daily balance drops below $20,000 is $25. *Overdraft fee per item is $25. ATM and bookeeping 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). Return to menu Features: Minimum balance $1000. Minimum opening balance $1000. **Interest Rate and APY are variable rate subject to change at any time, monthly imaged statement, unlimited transfers in the bank, withdrawls limited to six per month. 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 minimum balance fee of $5 if the daily balance drops below $1000 any day of the month. *Overdraft fee per item is $25. ATM and bookeeping fees may apply (see fee chart). Return to menu Features: 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 minimum balance fee of $25 if the daily balance drops below $10,000 any day of the month. *Overdraft fee per item is $25. ATM and bookeeping fees may apply (see fee chart). Return to menu Features: Minimum balance $100. Minimum opening balance $100. 6 withdrawals per month, unlimited deposits. Passbook required to process transactions. 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 quarterly at the end of the calendar quarter. **Interest Rate and APY are variable rate and subject to change at any time. Accounts closed before the end of the quarter forfeit accrued interest. Account Charges: Monthly minimum balance fee if the balance drops below $100 any day of the month is $2. Fee for withdrawals exceeding 6 per month is $1 per withdrawal. Fee for re-issuing a lost passbook is $5. Return to menu Features: Minimum balance $100. Minimum opening balance $100. Monthly statement. Six withdrawals per month, unlimited deposits. ATM accessibility, & VRU accessibility. Interest terms: 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. Accounts closed before the end of the statement cycle forfeit accrued interest. Account Charges: Monthly minimum balance fee if the balance drops below $100 any day of the month is $2. Fee for withdrawals exceeding six per month is $1 per withdrawal. *Overdraft fee per item is $25. ATM and bookeeping fees may apply (see fee chart). Return to menu Features: Minimum balance $1. Minimum opening balance $1. Account holder(s) must be under age 16. Passbook required to process transactions. 6 withdrawals per month, unlimited deposits. Interest terms: Interest is compounded daily and credited quarterly at the end of the calendar quarter. 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 quarter forfeit accrued interest. Account Charges:Once the account holder attains the age of 16, the Passbook Savings account charges apply. Return to menu Features: Minimum balance $5. Minimum opening balance $5. Weekly payment book. Balance plus interest paid on October 31st. Interest terms: Interest begins to accrue on the business day you deposit cash or no-cash items (example: checks). Interest is computed on the daily balance and compounded daily. Interest is credited at maturity (October 31st). **Interest Rate and APY are variable rate and subject to change at any time. Balances withdrawn prior to October 31st forfeit interest. Return to menu IRAs
*Please contact one of our offices for current rates. Features: Minimum balance $1000. The annual percentage yield (APY) will not change for the term of the deposit. A notice will be mailed 30 days prior to maturity. Excluding CD specials, certificates of deposit will renew automatically for the same term at the current APY in affect on the maturity date. Funds may be withdrawn up to 10 calendar days from the maturity date without penalty. Additional deposits may only be made at renewal up to 10 calendar days from the maturity date. Interest terms: Interest is computed on the daily balance. Interest is compounded daily and may be paid monthly, quarterly, semi-annually or annually on Certificates of Deposit 91-days or more. Interest is compounded daily and paid at maturity on Certificates of Deposit with terms 90-days or less. The APY assumes interest remains in the account until maturity. If any of the principle is withdrawn prior to maturity, a substantial penalty may apply. Return to menu We Offer Health Savings Accounts. Do you have a Qualifying High Deductible Health Plan? Are you concerned about the ever-increasing costs of health care? Would you like an easy and secure way to set aside dollars for health care expenses? Open a Health Savings Account Today and Start Offsetting Qualified Medical Expenses. To qualify for a Health Savings Account, you must be participating in a qualified High Deductible Health Plan (HDHP), and your annualized deposit must remain within government limits. Other limitations may apply. Check with your insurance agent or tax advisor to confirm eligibility. Compare a Health Savings Account to an IRA. Each dollar deposited reduces your taxable income, but is in an account that is fully accessible (tax-deferred). Click here for an informative online brochure. Return to menu Features: Minimum balance $1. Minimum opening balance $100. Monthly imaged statement, Unlimited check writing. Account Charges: Monthly maintenance $6. Deposit $0.10, Deposited item$0.10, Paid item, $0.10. Currency Services: Rolled coin (per roll) $0.05. Strapped currency (per strap) $0.05. ACH Electronic Services: Received debit and credit $0.05, Transmitted debit and credit $0.05, Multiple entry transmission $10. *Overdraft fee per item is $25. A variable earnings credit based on our 90-day certificate of Deposit rate effective the first day of the month applied to offset charges. Return to menu NEW! Business Advantage Checking Free Business Checking for small and medium sized businesses. Features: Minimum opening balance $100. No monthly maintenance fees. Up to 100 items per month with no service fees, such as checks, deposited items, ACH, coin and electronic transactions (not all types are listed). Free online and telephone banking. Monthly statement, no check images. *Overdraft fee per item is $25. Per item fee in excess of 100 transactions during cycle (month) $0.25. Return to menu Features: Monthly service fee $50.00. Installation, Initial Training and Licensing Fee included. Unisys Single Feed Check Scanner included, auto feed scanners are available for purchase. Other fees may apply pertaining to the deposit account(s) associated with the service, depending on the type. Please refer to the account disclosures received at account opening or provided in periodic updates via U.S. Mail and the "Schedule of Fees and Charges", for a list of fees and charges associated with Company deposit account(s). See Remote Deposit Demo Video, or Click here for an informative online brochure. Return to menu Download today and return to a location nearest you. For more information read Electronic Funds Transfer. Return to menu An Elan Visa Card gives you an edge. The more you use it, the more you'll benefit-with streamlined accounting, solid purchase protection and no annual membership fee with one purchase per year. Request an Elan Visa Card Application from our New Accounts Representative, or pick one up in the lobby at any of our bank locations. At The State Bank Group, our industry leading {consumer, business, consumer and business} credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. Learn More or Apply Now. Return to menu *NOTE: Overdraft fees may apply when there are insufficient or unavailable funds and the account becomes overdrawn. The fee applies to overdrafts "created by check, in-person withdrawal, ATM withdrawals, or other electronic means." Overdraft/Negative Balance per day fee is $5.00 per day beginning on the 6th day. **For Passbook, Statement, Kids Klub, Christmas Club, Savings, NOW checking, CD checking, Money Market Account, and Money Market Plus, interest is variable and the rate may change at any time at our sole discretion, no limitations. Fees may reduce earnings.
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