Personal Banking Services

Personal Premier Money Market

A State Bank Group Banking ServiceMaximize your savings with a Personal Premier Money Market Account!

  • Minimum opening balance $5,000.
  • Minimum balance to obtain (annual percentage yield) APY is based on the following tier levels: $0.00 to $4,999.99; $5,000 to $24,999.99; $25,000 to $99,999.99; $100,000 to $174,999.99; $175,000 and up.
  • 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).
  • Up to six withdrawals per month by preauthorized, automatic, or telephone transfer--unlimited transfers are allowed in person and at the ATM.
  • Accounts closed before the end of the statement cycle forfeit accrued interest.
  • Monthly maintenance service charge of $10 if the daily balance drops below $5,000 any day of the month.

*Interest Rate and Annual Percentage Yield (APY) is variable for each balance tier (rate sheets are available upon request), and subject to change at any time.

 

Note: Insufficient funds/overdraft/NSF charges may apply ($35) when there are insufficient or unavailable funds and the account becomes overdrawn. The bank uses real-time processing, which means transactions are posted as the bank receives them. Multiple insufficient funds/overdraft/NSF fees may be imposed if at any time during the day, an account has insufficient funds, even though the final balance at the end of the day may be positive. The fee applies to insufficient funds or overdrafts created by check, in-person withdrawal or other electronic means. You will not be charged for point-of-sale transactions or ATM transactions that result in your account becoming overdrawn. 

Personal Money Market Account

A State Bank Group Banking ServiceMaximize your savings with a State Bank Group Money Market Account!

  • Minimum balance $1000.
  • Minimum opening balance $1000.
  • 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.
  • Up to six withdrawals per month by preauthorized, automated telephone transer - unlimited transfers are allowed in person and at ATM. 
  • 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.

*Interest Rate and Annual Percentage Yield (APY) are variable, and subject to change at any time. 

 

Note: Insufficient funds/overdraft/NSF charges may apply ($35) when there are insufficient or unavailable funds and the account becomes overdrawn. The bank uses real-time processing, which means transactions are posted as the bank receives them. Multiple insufficient funds/overdraft/NSF fees may be imposed if at any time during the day, an account has insufficient funds, even though the final balance at the end of the day may be positive. The fee applies to insufficient funds or overdrafts created by check, in-person withdrawal or other electronic means. You will not be charged for point-of-sale transactions or ATM transactions that result in your account becoming overdrawn. 

IRA Accounts

A State Bank Group Banking ServiceThe State Bank Group’s IRAs are a smart way to save for your future. Most IRA accounts are tax deductible and have a maximum yearly contribution that is set by the IRS. If you already have an IRA, you should have it reviewed on a regular basis to make sure you are receiving maximum benefit from it. Now is the time to take advantage of an IRA account that may provide you with tax deferred savings. We offer:

  • Traditional IRAs
  • Roth IRAs
  • IRA Certificates of Deposit
  • SEP IRAs

*Please contact one of our offices for current rates. IRS regulations regarding IRAs are constantly being updated. Changes such as new contribution limits and new types of accounts are common, so check with one of our new accounts associates to get all the details.

UChoose Rewards

A State Bank Group Banking ServiceWith UChoose Rewards®, you choose where to shop and what to get for all the points you earn. Most rewards programs have limited options on where to shop and it takes forever for your points to accumulate. UChoose Rewards® changes all of that.

There’s never been a better time to start using your State Bank Mastercard Debit Card for your everyday needs. Simply use your card at gas stations, supermarkets, drugstores, malls, or anywhere else. Remember to sign for your purchases to earn the most points. The more you shop and sign, the more you earn and the more you earn, the more you are rewarded.

How Does It Work?

  • Earn 1 point for every $2 spent each time you use your card and sign for your purchases.
  • Earn 1 point for every $5 spent each time you use your card at a PIN Point of Sale, Bill Pay or PINless Debit.
  • Earn additional points by shopping at participating retailers in-store, or online at the UChoose website.
  • Redeem points for millions of items - choose from a wide array of products from travel experiences and activities, event tickets, to merchant gift cards, and much much more!

It’s that easy!

Earn points everywhere Mastercard is accepted. Register today at www.uchooserewards.com.
For more information, View a list of FAQs, View Privacy Policy (PDF)

Some content on this page is saved in an alternative format. To view these files, download the following free software. Get Adobe® Reader®

Business Credit Card

A State Bank Group Banking Service Choose the card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.

Business Card – Standard Card

Features

  • No annual fee.
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Fees

  • Other fees may be charged, these fees are listed on the downloadable application.

Business Card – Preferred Points Rewards

Features

  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual billing option only.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Extraordinary MasterCard® BusinessCard benefits include

  • Car Rental Collision Damage Waiver
  • Extended Warranty
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Roadside Assistance
  • Baggage Delay Insurance

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

Fees

  • Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

Download the PDF of the application.

  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
  • Supporting documents vary depending on the type of business you have. See chart below.
  • Fax your completed application to the Card Service Center at 877-809-9162.
  • Or mail your completed application to: Card Service Center PO Box 569120 Dallas, TX 75356-9120

1Please see application for information about current APRs and fees.

Supporting Documents for Your Card Application

required credit related documents

Personal Credit Card

A State Bank Group Banking Service We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Personal Card – Low Rate

Features

  • No annual fee.
  • Low introductory rate for the first six months.1
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

  • Other fees may be charged, these fees are listed on the downloadable application.

Personal Card – World / Preferred Points Rewards

Features

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months. 1
  • Competitive ongoing APR. 1
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
  • Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Extraordinary benefits with MasterCard® include:

  • Concierge Service2
  • Price Protection
  • Baggage Delay Insurance
  • Car Rental Collision Damage Waiver Insurance
  • Extended Warranty
  • Travel Assistance
  • Roadside Assistance
  • Purchase Assurance
  • Travel Accident Insurance

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

Fees

  • Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

  • Download the PDF application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to: Card Service Center PO Box 569120 Dallas, TX 75356-9120
1 Please see application for information about current APRs and fees.
2 Concierge Services available with World MasterCard only.

Some content on this page is saved in an alternative format. To view these files, download the following free software. Get Adobe® Reader®

Debit Card Application

A State Bank Group Banking LogoDownload the Application Form PDF today and return to a location nearest you. For more information read our Electronic Funds Transfer.

For information on receiving a free credit report, see Consumer Credit.

Debit Card and ATM Services

If your Debit or ATM card is lost or stolen, please contact 800-472-3272.

Some content on this page is saved in an alternative format. To view these files, download the following free software. Get Adobe® Reader®

Health Savings Accounts

A State Bank Group Banking ServiceThe State Bank Group 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 adviser to confirm eligibility. Compare a Health Savings Account to an IRA. Contributions reduce taxable income however, only the interest on the account is tax deferred. Funds can be withdrawn tax free for eligible medical expenses.   Click here for more detailed information.

Pages