"Bank Where You're Known"

Personal Banking Services

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

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 Funds can be withdrawn tax free for eligible medical expenses.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.

Certificate of Deposit

A State Bank Group Banking ServiceA low risk savings account that can boost the amount you earn.

  • Minimum balance $1000, minimum balance to obtain (annual percentage yield) APY is $1,000.
  • Interest Rate and the APY will not change for the term of the deposit.
  • Interest Computation Method is daily balance. IInterest Compounding is daily.  Interest credit frequency.....term 90 days or less @ maturity - term 91 days or more, monthly, quarterly, semi annually or annually
  • Interst begins to accrue on the business day you deposit non-cash items (example: checks).
  • The APY assumes interest remains in the account until maturity.
  • If any principal is withdrawn prior to maturity, a substantial penalty may apply.
  • A notice will be mailed prior to maturity.
  • Funds may be withdrawn up to 10 calendar days after the maturity date without penalty.

Excluding CD specials, certificates of deposit will renew automatically for the same term at the current APY in effect at the time of maturity. Additional deposits may only be made at renewal up to 10 calendar days after the maturity date.

Remote Deposit

A State Bank Group Banking ServiceInstallation, 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). Click here for an informative online brochure.

  • Monthly maintenance service fee $50.00.

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Commercial Checking

A State Bank Group Banking ServiceIt's important to have a checking account that's tailored to your business' particular needs. To learn more, see Accounts Brochure.

  • Minimum balance $1.
  • Minimum opening balance $100.
  • Monthly imaged statement, unlimited check writing.
  • Account Charges: Monthly maintenance service fee $7.
  • 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.
  • *Insufficient funds charge (paid) or insufficient funds charge (returned) $35 per item.
  • Earnings credit is variable and subject to change at any time at our sole discretion, no limitations and is applied to the monthly average collected balance to offset charges.

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Statement Savings

A State Bank Group Banking ServiceBuild up your cash reserves with a State Bank Group savings account to get closer to important financial goals.

  • Minimum balance $100.
  • Minimum opening balance $100.
  • Minimum balance to obtain APY $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).
  • 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.
  • *Insufficient funds charge (paid) or insufficient funds charge (returned) $35 per item.
  • ATM and bookeeping fees may apply.

*Interest Rate and APY are variable rate and subject to change at any time.

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*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, or other electronic means." Overdraft fees may apply when the item is paid or returned NSF. Overdraft/Negative Balance per day fee may apply, refer to fee schedule.

Important Notice Concerning Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) and Regulation GG Commercial Account Notice

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