State Bank & Trust Co.
Personal Services

    Checking Accounts

                                                                                                                 checks

    Reordering your checks is fast and easy.  

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    Checking accounts that meet your needs -

    Who says a checking account is suppose to be complicated? At State Bank & Trust Co., we know that some people need a checking account for making just a few payments a month, while others prefer an account that manages all of their cash flow needs. That's why we've designed checking accounts that meet your needs. At State Bank & Trust Co. we believe that a checking account is the core of a banking partnership. Leading the way with superior products and services. Strengthening existing customer relationships and building new ones!!


    AVAILABLE - FREE WITH ALL OF OUR CHECKING ACCOUNTS: 

    FREE CHECKING       Apply Now                                                                  

    The no-minimum balance alternative. The BEST FREE checking around!

    • NO minimum balance
    • NO monthly service charge
    • Unlimited check writing
    • Unlimited ATM/Debit card usage
    • Check images are safe kept at the bank

     


     

    TRADITIONAL CHECKING                   Apply Now 

    Our most popular account

    • No monthly fee assessed by maintaining a $100 minimum balance*
    • Unlimited check writing
    • Unlimited ATM/Debit card usage
    • Check images returned each month

    * If balance falls below $100 there is a $7 monthly fee plus $.25 per service chargeable debit after the first 10

    For a comparison of our Basic Checking accounts Click Here


     

    PREFERRED CHECKING                     Apply Now

    Preferred Checking provides a package of products and services that will increase your buying power, security and convenience for just $7 per month.

    • Free Personalized Checks
    • No minimum balance
    • Free ATM/Debit card
    • Competitive interest rate
    • Unlimited check writing
    • Unlimited ATM/Debit card usage
    • No fee U.S. travelers' checks, cashier's checks and money orders
    • Preferred Rates on New Consumer Installment Loans and CDs
    • Free first year rental of safe deposit box

    * Ask about all of the additional benefits that accompany this account


     

    CHECKING WITH INTEREST              Apply Now

    Checking with an Interest bonus

    • No monthly service fee assessed by maintaining a $1000 minimum balance*
    • Interest rate tiered to reward higher balances**
    • Unlimited check writing
    • Unlimited ATM/Debit card usage
    • Check images returned each month

    * If balance falls below $1000 there is a $7 monthly fee plus $.25 per service chargeable debit
    ** Interested paid with a $1000 collected balance


     

    MONEY MARKET                                  Apply Now

    The convenience of a checking account along with the benefits of a savings account.

    Regulations limit the number of transfers per statement cycle and no more than three can be by check or similar order. A tiered rate of interest is paid on balances over the required minimum*

    *If balance falls below $2500 there is a $7 monthly fee
    * Interest paid on $2500 collected balance

    For a comparison of our Checking accounts with Interest Click Here

    Please contact us if you would like further information regarding terms, rates, or fees. We will be happy to send you a detailed disclosure for any of our deposit products.


     

    OVERDRAFT PROTECTION

    Let your accounts work together. Sign up for Overdraft Protection. It will transfer funds from your savings to your checking in the event you should overdraw your checking account. Call us to sign up today!

     

    IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

     

     

    NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
    All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
    The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
    For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

     

     

     

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