Relationship Checking
More Rewarding. Right Here at Home.
Earn 3.61% APY1 on your checking balance
At State Bank & Trust Co., we believe banking should be about more than just managing your money. It should be about helping you make the most of it while providing the hometown service and personal connections you know and trust.
With Interest Rewards Checking, your everyday debit card purchases can help you earn more on your checking balance. It's one more way we're helping you get more from your money while staying connected to the community we're proud to serve.
Open an Interest Rewards Account
Interest Rewards
An interest-bearing checking account designed to reward the way you already bank, with a special rate when you meet the monthly qualifications.
- Earn a special rate of 3.61% APY (Annual Percentage Yield)1 on balances up to $15,000 when you meet the monthly qualifications:
- One direct deposit OR one external automatic withdrawal; AND
- 25 settled debit card purchases
- No minimum balance
- No monthly maintenance fee
- Free online statements2
Ready to start earning more?
Open your account online in minutes and earn more each month!
1Interest Rewards Special Rate of 3.61% Annual Percentage Yield (APY) earned on balances up to $15,000 during each statement cycle when the following criteria are met: One direct deposit OR automatic withdrawal AND 25 settled debit card purchases per statement cycle. Balances over $15,000 will earn the Interest Rewards Market Rate. If electronic banking criteria is not met, the entire balance will earn the Interest Rewards Base Rate. Opening deposit of $50 required. APY effective 9/2/26 and is subject to change. Fees could reduce earnings on the account. See bank for current rates and additional account disclosures.
2Paper statements available for $4/statement cycle
