Checking Accounts

We offer a deposit product to meet your needs.

State Bank offers the convenience and  technology that today’s consumer is looking for.  And you receive the extra advantage of banking where your business is truly appreciated! 

Included with all of our checking accounts:  

  • State of the art Online Banking and BillPay to keep you on top of your money 24/7
  • Easy to use Mobile app for access to your bank from anywhere
  • Mobile Remote Deposit makes depositing checks simple-no trip to the bank needed!
  • Purchases using your account made easy with our VISA Debit Card
  • Unlimited State Bank and AllPoint ATM Transactions
  • Free direct deposit for your paycheck, Social Security check, or other regular income.

If you’re with another institution, switch your accounts to State Bank anytime from anywhere. It’s quick and easy with our Switch Kit. If you would like more information, and would like to open an account in person, just stop by one of our convenient locations.

Simply Free Checking

No minimums, no requirements. Simply Free!

  • No minimum balance and no monthly fee
  • Free e-statements with check images
  • Only $50 to open the account
Open an Account

Express Checking

Count the ways you can qualify for no monthly service fees!

With lots of flexibility built in, Express Checking can make your life easier and may just be the right “fit” for you.

  • The $5 monthly maintenance fee is waived when you do any of the following per statement cycle: Have direct deposits of at least $500; Maintain a $500 minimum balance; Maintain $3,000 in combined checking, savings, and CD balances.
  • E-statements are included at no charge. For a $2 monthly fee, paper statements can be printed and mailed to you. The $2 paper statement fee can be waived if you are age 60 or over and have direct deposit or if you have $25,000 in combined deposits.
  • Only $50 to open the account
Open an Account

eXtreme! Checking

Get eXtreme with your money! With our unbelievable high interest rate and free nationwide ATMs*, the sky’s the limit!

eXtreme Checking offers a high interest rate option of 2.00% Annual Percentage Yield (APY)** on your balance up to $15,000 and ATM refunds every month when you meet the activity requirements below.

  • Free ATM usage nationwide*
  • Unlimited check writing and debit card usage
  • Free check images online and on your monthly statements
  • Free e-statements you can download and save. For a $2 monthly fee, paper statements can be printed and mailed to you. The $2 paper statement fee can be waived if you are age 60 or over and have direct deposit or if you have $25,000 in combined deposits.
  • Maintain a minimum balance of $5,000 (or $10,000 in combined deposit balances) and the $5 monthly maintenance fee is waived
  • Only $50 to open the account
  • *Must meet minimum electronic activity requirements to receive the higher interest rate reward and ATM fee refunds for that statement cycle. Rates and terms are subject to change without notice; see a customer service representative for details. ATM fees will be reimbursed automatically (foreign and State Bank); 2.00% APY (rate effective as of 02/01/19) will be paid on balances up to $15,000. Fees may reduce earnings on the account.
  • **Activity requirements to earn 2.00% APY on your balances up to $15,000 and free nationwide ATMs: Use your debit card at least 12 times in a signature based transaction during the statement period and set up a direct deposit into your account or an electronic debit from your account at least once during the statement period. In any month you do not meet the activity requirements, you will still earn .03% interest on your balances.
Open an Account

Elite Checking

When you want it all!
Elite Checking combines many of our popular banking services into one account with one low monthly fee.

  • No minimum balance requirement
  • Unlimited check writing and debit card use
  • E-statements or paper statements included
  • One complementary order of basic checks per year
  • $25 off a consumer installment loan origination fee
  • Free money orders and cashier’s checks
  • Free outgoing domestic wire transfers
  • $10 per month maintenance fee
  • Only $50 to open the account
Open an Account