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Standard Checking |
At a Glance |
Basic account with unlimited check writing privileges and ATM/Check Card transactions.
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| Best
For |
Consumers who write several checks during a monthly period.
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| Features |
 | No per check
charges. |
| Monthly maintenance charges are waived for senior citizens and full-time
students. |
| Can be tied to a State Bank Check Card. |
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| Minimum
Balance |
No minimum required.
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| Fees |
$9.00 monthly maintenance fee with ledger balance of less than
$800.00
No monthly maintenance fee with $800.00 or higher minimum ledger balance.
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Budget Checking |
At a Glance |
Basic account with limited check writing privileges and unlimited ATM/Check Card transactions.
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| Best
For |
Consumers who do not write many checks but prefer to use ATM and/or Check Card to conduct their transactions.
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| Features |
| Low monthly maintenance fee. |
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| Minimum
Balance |
No minimum balance required.
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| Fees |
$3.75 monthly maintenance fee with ledger balance of less than $800.00 plus
$0.50 per check (paper withdrawal) after 10 for each statement
period.
No monthly maintenance fee with $800.00 or higher minimum ledger balance plus
$0.50 per check (paper withdrawal) after 10 for each statement period.
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Personal
N.O.W. Account |
At a Glance |
Interest bearing account with unlimited check writing privileges and ATM/Check Card transactions.
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| Best
For |
Consumers who want to earn interest income on their money while still maintaining access to their funds.
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| Features |
| Interest paid on a monthly basis. |
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| Minimum
Balance |
$1,000.00 minimum balance required to open
account. $500.00 minimum balance required to earn interest.
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| Fees |
No monthly maintenance fee with $1000.00 or higher minimum ledger balance. $10.00 monthly maintenance fee if balance falls below $1,000.00.
Click here for current rate information.
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Personal
I.M.M.A. (Insured Money Market Account) |
At a Glance |
Interest bearing account with limited check writing privileges and limited ATM/Check Card transactions. Six preauthorized withdrawals allowed per statement period of which three may be checks.
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| Best
For |
Consumers who want to earn interest income on their money while still maintaining access to their funds.
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| Features |
| Earns a higher rate of interest than a
N.O.W. account. |
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| Minimum
Balance |
$2,500.00 minimum balance required.
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| Fees |
No monthly maintenance fee with $2500.00 or higher minimum ledger
balance.
$10.00 monthly maintenance fee if minimum ledger balance falls below
$2500.00. $10.00 excessive withdrawal
fee.
Click here for current rate information.
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Money Max Accounts |
At a Glance |
Money Max is a checking and savings account package providing a checking account with no monthly maintenance fee and a savings account earning better than market rate interest.
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| Best
For |
Consumers who want to maximize their earnings potential while maintaining access to their funds.
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| Features |
| No monthly maintenance fee on checking account. |
| Accounts may be linked to provide overdraft protection. |
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| Minimum
Balance |
$2500.00 minimum balance required in Money Max savings account.
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| Fees |
$5.00 monthly fee if minimum savings balance is less than
$2500.00
$2.00 service fee per savings withdrawal or transfer after three per
month.
If the savings balance remains below
$2500.00 for a 90 day period, both accounts or converted to standard accounts.
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Sweep
Account
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At a Glance
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A
regular checking account with a savings feature. The
customer sets daily maximum and minimum balances.
When the checking account balance falls outside that
range, the excess is "swept" into or out
of an interest bearing account. |
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Best
For
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Commercial
customers and consumers who have deposit balances
that vary greatly and want to earn interest on their
excess short-term deposits. |
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Features
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| Automatic
transfer based on pre-determined minimum and
maximum balances |
| No
transfer fees |
| No setup
fees |
| Interest
bearing portion of account earns interest |
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| Fees |
Regular checking account fees
apply. No additional fees are incurred for the
"Sweep feature" |
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