Personal Banking Services

For more information relating to Deposits, please see Fund Availability, Accounts Brochure PDF, Deposit Account Brochure PDF and *Overdraft policies.

Everyday Checking

A State Bank Group Banking Service Learn more about Everyday Checking, please see Deposit Accounts Brochure PDF.

  • Minimum opening balance $100.
  • Daily minimum balance $200.
  • Monthly maintenance service charge ($8) if the daily balance on any given day of the month drops below $200.
  • Overdraft fee per item $35, paid or returned NSF.
  • Monthly statement
  • Unlimited check writing
  • ATM Anytime Help Line accessibility (fees may apply)
  • Free online banking
  • Free mobile banking ** (Apple and Android) and text banking**
  • Limited access BaZing savings (3 free deals from local merchants to save you money on shopping, during, travel and more.)

**Wireless carrier data rates apply.

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AmaZing Checking

A State Bank Group Banking ServiceLearn more about Amazing Checking, please see Deposit Accounts Brochure PDF.

  • Minimum opening balance $100.
  • No monthly minimum balance required.
  • Monthly maintenance service charge of $5 regardless of the balance.
  • Overdraft fee per item $35, paid or returned.
  • Monthly statement
  • Unlimited check writing
  • ATM & Anytime Help Line accessibility (other fees may apply)
  • Free online banking, free mobile** (Apple and Android) and free text banking**
  • Free online bill pay and free mobile bill pay
  • Shop local, save local with BaZing savings
  • Cell Phone protection***, Identity theft protection***, $10,000 travel accidental death coverage***.
  • Roadside assistance, pharmacy, vision and hearing savings.

**Wireless carrier data rates apply., ***Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.

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Star Checking

A State Bank Group Banking ServiceTo learn more About Star Checking, see Deposit Accounts Brochure PDF.

  • Minimum opening balance $100.
  • Daily minimum balance $2,500
  • Minimum balance to obtain (annual percentage yield) APY* $2,500.
  • Interest computation method is daily balance.
  • Interest compounding is daily.
  • Interest crediting frequency is monthly.
  • Interest begins to accrue on the business day you deposit cash or non-cash items (examples: checks).
  • Accounts closed before the end of the statement cycle forfeit accrued interest.
  • Monthly maintenance service charge ($9)  if the daily balance on any given day of the month drops below $2500.
  • Overdraft fee per item $35, paid or returned.
  • Monthly statement
  • Unlimited check writing
  • ATM Anytime Help Line accessiblity (ATM and other fees may apply)
  • Free online banking.
  • Free mobile banking**, free text banking **, free online bill pay, free mobile bill pay **.
  • Shop local, save local with BaZing savings.  Cell phone protection***, Identity theft protection***, $10,000 Travel accidental death coverage***.
  • Roadside assistance, pharmacy, vision, and hearing savings.

*Interest Rate & APY is a variable rate, subject to change at any time. **Wireless carrier data rates apply. ***Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.

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For profit organizations are not eligible for Star Checking 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 ServiceMaximize your savings with a State Bank Group Money Market Plus Account!

  • Minimum opening balance $10,000.
  • Minimum balance to obtain (annual percentage yield) APY* is based on the following tier levels: $0.00 to $24,999.99, $25,000 to $49,999.99, $50,000 to $74,999.99, $100,000 and up.
  • Interest* computation method is daily balance; Interest compounding is daily.
  • Interest crediting frequency is 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 $26 if the daily balance drops below $10,000 any day of the month.
  • Overdraft fee per item is $35.
  • Monthly imaged statement, ATM Anytime Help Line accessibility. ATM other fees may apply.

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

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.
  • 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.

*Interest Rate and (annual percentage yield) 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.

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)

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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.

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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.

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