Skip to main content
checking image

Relationship Checking

 Section Menu

Start earning cash back or interest rewards for the way you already bank with our new relationship checking accounts. Opening or upgrading an account is easy! It's just another reason to call us 'Your Bank'!

Compare the three accounts below. 

Simple Cash Back

A simple, worry-free account that rewards for debit card usage at State Bank & Trust!

  • No minimum balance
  • No monthly fee
  • Free Online Statement*
  • Free Debit Card
  • Earn $0.10 cash back on each debit card purchase**

*$4 Fee for Mailed Paper Statement if Online Statement is not selected
**Up to $5 per statement cycle, per month

Apply Now

Upgrade Existing Account

Interest Rewards

An interest-bearing checking account that pays a higher interest rate for banking electronically.

  • No minimum balance
  • No monthly fee
  • Free online statements*
  • Free debit card
  • Special interest rate on balances up to $15,000 during each statement cycle when the following criteria is met:**
    • One direct deposit OR one automatic withdrawal AND
    • 25 debit card purchases per statement cycle

*$4 Fee for Mailed Paper Statement if Online Statement is not selected
**Balances over $15,000 will earn interest at the Interest Rewards market rate. If banking criteria is not met, all balances will earn the Interest Rewards base rate.

Apply Now

Upgrade Existing Account


A traditional interest-bearing checking account with tiered interest rates based on balance. This account also offers additional banking perks. 

  • Minimum daily balance of $2,500 or average daily balance of $5,000
  • Tiered Interest Rate on balance on entire balance. Interest paid monthly.
  • No monthly fees if minimum balance is maintained*
  • Free online or paper statements
  • Debit Card Available; $15 annual fee

*For balances not maintained $10.00 service charge applies.

Apply Now 

Upgrade Existing Account

Relationship Perks

Enjoy more benefits when you have a Relationship Checking account. The primary owner on each Relationship Checking account will recieve additional perks when the combined balances on accounts they own (checking, savings, CD, IRAs, and HSAs) is greater than $50,000 on the Qualification Day. For personal deposits only. Qualification day is one banking day prior to the statement cycle end date.

  • Minimum balance fee waived on Premier Checking accounts

  • CD bump 0.10%

  • No fee for cashier's checks

  • No fee for domestic wires

  • No fee for 3x5 Safe Deposit Box (or equivalent credit given towards a larger size box). Must have automatic payment.

  • ATM Surcharge refund (up to $10 per statement cycle)

Ready to Switch?

Make the switch to State Bank & Trust Co. today! We have developed a “Ready to Switch” Program that makes it easy to switch your accounts to State Bank. Stop in and let us personally help you make the switch or get started now!

Ready to Switch

Back to Top