Personal Banking Services

Maximize 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.
• *Insufficient funds charge (paid) or insufficient funds charge (returned) $35 per item. 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.

With 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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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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