Personal Checking Accounts

Basic Checking

This no-frills account is perfect for non-
profit groups and customers with low
account activity.

Features:

• No minimum balance required
• No interest earned
• ATM Access – No Charge
• Overdraft Protection Available
• Checks On File

Budget Checking

This particular account is suited for the
customer with high account activity.

Features:

• No minimum balance required
• No interest is earned
• ATM Access – No Charge
• Overdraft Protection Available
• Checks On File

Interest Checking

Customers with higher balances who
want their funds to earn interest
appreciate this account.

To qualify for this account you must
have a $900 average daily balance or
$5000 in a State Bank deposit account.

Features:

• 600 Free basic checks per year
• ATM Access – No Charge
• Overdraft Protection Available
• Checks On File

Gold Interest Checking

This account is tailored to customers over
50 who use our additional services.

Features:

• No minimum balance required
• 10 Free cashier’s checks a month
• ATM Access – No Charge
• Overdraft Protection Available
• Checks On File

Savings Accounts

Regular Savings

This is your basic savings account
that allows for six withdrawals per
four week period.

Features:

• $100 minimum monthly average balance

Moose Club Savings

This savings account is offered to persons
18 years old or younger.

Features:

• $25 minimum monthly average balance

Money Market

If the balance falls below $2500, a service charge will be applied and you will earn the interest rate of a regular savings for that month.  Allows six withdrawals in a four week period.

Features:

• Requires a $2500 minimum balance

Christmas Club Savings

There are no withdrawals on this account; instead, a check for the balance will be sent to you on November 16th of each year.

Features:

• No minimum balance required