Personal Checking

Personal Checking

What do you look for in a checking account? Does it earn interest? Cash back on debit card purchases? Or maybe you just want simplicity without the bells and whistles. You’ll find all of those options at State Bank.

All checking accounts include:

  • Online banking
  • Online BillPay
  • Mobile banking and check deposit
  • ATM or Visa debit card
  • 24-hour access to your cash from our network of 25,000+ ATMs
  • Unique-2-U!™ customized debit card (see Unique-2-U! FAQs for complete details)
Product Features Smart Rewards Checking
(Learn More)
Classic Rewards Checking
(Learn More)
Cash Rewards Checking & Student Cash Rewards Checking
(Learn More)
Flex Checking & Student Flex Checking
(Learn More)
Perks
  • Earns Tiered 1, 2, 3 Level Interest
  • ATM Fee Refund up to $10 each month you qualify for Level 2 or 3 Interest
  • Tiered 1  2 Level Interest
  • Free Speciality Wallet Checks
  • 5¢ Cash Back on Every Debit Card Purchase
  • ATM Fee refund up to $10 each month with 15 debit card POS transactions and an additional Relationship Account2
  • Low Monthly Service Charge
  • Only Two Services to Qualify for service Charge Waiver
Minimum to Open $25 $25 $25 $25
Monthly Service Charge $10 $7 $8 $3.95
Service Charge Waiver

$1, 500 Minimum Daily Balance OR Combined Daily Relationship Balance3 or $20, 000 or Greater OR Use Selected Service from below

$1, 000 Minimum Daily Balance OR Use Selected Service from below $500 Minimum Daily Balance OR Use 3 Services from below Use 2 Services from below
eStatements
15 debit card POS transactions
2 BillPay transactions
Direct Deposit
Automatic Loan Payment
2 ACH Debits
Next Gen Advantage Available ages 18 to 25th birthday Available ages 18 to 25th birthday
Premium Interest Qualifiers

Use 3 for Level 2 Interest from below, Use 4 for Level 3 Interest from below

Use 3 for Level 2 Interest from below
eStatements
15 debit card POS transactions
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
Apply Now Apply Now Apply Now Apply Now
Smart Rewards Checking
Perks Earns Tiered 1,2,3 Level Interest ATM Fee Refund up to $10 each month you qualify for Level 2 or 3 Interest.
Minimum to Open $25
Monthly Service Charge $10
Service Charge Waiver $1,500 Minimum Daily Balance OR Combined Daily Relationship Balance3 or $20,000 or Greater OR Use Selected Free Service
eStatements
15 debit card POS transactions.
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
2 ACH Debits
Next Gen Advantage
Premium Interest Qualifiers Use 3 for Level 2 Interest, Use 4 for Level 3 Interest.
eStatements
15 debit card POS transactions
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
Apply Now
Classic Rewards Checking
Perks Tiered 1 2 Level Interest Free Speciality Wallet Checks
Minimum to Open $25
Monthly Service Charge $7
Service Charge Waiver $1,000 Minimum Daily Balance OR Use Selected Free Service.
eStatements
15 debit card POS transactions.
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
2 ACH Debits
Next Gen Advantage
Premium Interest Qualifiers Use 3 for Level 2 Interest.
eStatements
15 debit card POS transactions
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
Apply Now
Cash Rewards Checking & Student Cash Rewards Checking
Perks 5c Cash Bank on Every Debit Card Purchase ATM Fee refund up to $10 each month with 15 debit card POS transactions and an additional Relationship Account2.
Minimum to Open $25
Monthly Service Charge $8
Service Charge Waiver $500 Minimum Daily Balance OR Use 3 Free Services
eStatements
15 debit card POS transactions.
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
2 ACH Debits
Next Gen Advantage Eligible for students only.
Premium Interest Qualifiers
eStatements
15 debit card POS transactions
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
Apply Now
Flex Checking & Student Flex Checking
Perks Low Monthly Service Charge. Only Two Services to Qualify for service Charge Waiver.
Minimum to Open $25.00
Monthly Service Charge $3.95
Service Charge Waiver Use 2 Free Services
eStatements
15 debit card POS transactions.
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
2 ACH Debits
Next Gen Advantage Eligible for students only.
Premium Interest Qualifiers
eStatements
15 debit card POS transactions
2 Bill Pay transactions
Direct Deposit
Automatic Loan Payment
Apply Now

*Relationship Account includes Savings, Money Market, Certificate of Deposit and Loan accounts. *Relationship Balance includes Checking, Savings, Money Market, Certificate of Deposit and Loan accounts. A $25.00 fee applies if a checking account is closed within 180 days.

Checking Account Options

View all of our options below.

 

You'll enjoy Premium Interest rates for using eServices and you'll get ATM fee refunds up to $10 for each month you qualify for Reward Level 2 or 3 interest.

Earn Reward Level 1 interest* on all account balances with no qualification required. Upon qualification, earn Premium Interest up to 1.25% APY* on balances up to $20,000.

We'll waive the $10 monthly service charge when you maintain:

  1. A minimum daily balance of $1,500 or...
  2. A combined daily relationship balance** of $20,000 or greater or...
  3. An Automatic Loan payment with State Bank.

Use three of the following free services each month to earn our higher Reward Level 2 interest, or use four each month to earn our Reward Level 3 interest.

  • eStatements
  • 15 debit card POS transactions
  • 2 BillPay transactions
  • Direct deposit

Click here for additional rate details

$25 minimum to open each account. Must meet minimum requirements each statement cycle. *The Annual Percentage Yield (APY) is accurate as of March 19, 2018, and the rate may change at any time. Fees could reduce earnings on this account. **Relationship balance includes checking, savings, money market, certificate of deposit and loan accounts. A $25.00 fee applies if a checking account is closed within 180 days.

 

This interest-earning account is only for those 50 and older. Earn Reward Level 1 interest* on all account balances withno qualification required. Earn Reward Level 2 interest* on balances up to $20,000 upon qualification. You also receive free specialty wallet checks.

We'll waive the $7 monthly service charge when you maintain a minimum daily balance of $1,000, or make one direct deposit each month.

You'll earn Reward Level 1 Interest* when the account qualifier requirements are not met.

  • Tier 1: $20,000 or less APY .01%
  • Tier 2: Balance that is greater than $20,000 but no more than $50,000 APY range from .01% to .02%
  • Tier 3: Balance that is greater than $50,000 APY range from .02% to .02%

Reward Level 2 Interest* - To receive the following Premium Interest tier rates, your account must meet three of the four qualifier requirements.

  • Tier 1: $20,000 or less APY .15%
  • Tier 2: Balance that is greater than $20,000 but no more than $50,000 APY range from .15% to .09%
  • Tier 3: Balance that is greater than $50,000 APY range from .09% to .07%
  • To qualify for Level 2 Interest, use three of these free services each month:
  • eStatements
  • 15 debit card POS transactions
  • 2 Bill Pay transactions
  • Direct deposit
  • Automatic loan payment with State Bank

$25 minimum to open each account. Must meet minimum requirements each statement cycle. *The Annual Percentage Yield (APY) is accurate as of March 19, 2018, and the rate may change at any time. Fees could reduce earnings on this account. A $25.00 fee applies if a checking account is closed within 180 days.

 

You'll get 5 cents back for every debit card purchase, and ATM fee refunds up to $10 per month with 15 debit card point of sale transactions and an additional Relationship account, includes savings, money market, certificate of deposit and loan accounts.

We'll waive the $8 monthly service charge when you maintain a minimum daily balance of $500* or use three of these free services each month:

  • eStatements
  • 15 debit card point of sale transactions
  • 2 BillPay transactions
  • Direct deposit
  • Automatic loan payment with State Bank
  • 2 ACH debits

$25 minimum to open each account. Must meet minimum requirements each statement cycle. A $25.00 fee applies if a checking account is closed within 180 days.

 

This straightforward checking account requires no minimum balance and has low monthly fees.

We’ll waive the $3.95 monthly service charge when you use two of these free services each month:

  • eStatements
  • 15 debit card point of sale transactions
  • 2 BillPay transactions
  • Direct deposit
  • Automatic loan payment with State Bank

Students require easy access to cash and we are here to help. The Next Gen Advantage creates fee waivers on Flex or Cash Rewards just by being age 18 to 25. Open a Flex Checking or Cash Rewards Checking account and for a limited time, you can get a free pair of Chucks when you open a Cash Rewards or Flex Checking account.** (Must be between the ages of 18 and 25.)

$25 minimum to open each account. Must meet minimum requirements each statement cycle.  **Not valid with other offers. Offer expires 5/31/18. Open a new State Bank Cash Rewards checking account. To receive shoe bonus, sign up for eStatements and debit card within 30 days of account opening. Available ages 18 to 25th birthday. An electronic gift card for shoe bonus will be emailed to you within 30 days of meeting the promotion requirements. Offer available to individuals without an existing checking account at State Bank. A $25.00 fee applies if a checking account is closed within 180 days. 

 

Students require easy access to cash and we are here to help. The Next Gen Advantage creates fee waivers on Flex or Cash Rewards just by being age 18 to 25.

For $10.99 – or $4.99 if you receive eStatements – you can also choose a Unique-2-U! debit card which allows you to upload your own photo or image to appear on the card. See Unique-2-U! FAQs for complete details.

Open a Flex Checking or Cash Rewards Checking account and for a limited time, you can get a free pair of Chucks when you open a Cash Rewards or Flex Checking account.** (Must be between the ages of 18 and 25.)

$25 minimum to open each account. Must meet minimum requirements each statement cycle. Automatic loan payment must be to a State Bank loan. **Not valid with other offers. Offer expires 5/31/18. Open a new State Bank Cash Rewards checking account. To receive shoe bonus, sign up for eStatements and debit card within 30 days of account opening. Available ages 18 to 25th birthday. An electronic gift card for shoe bonus will be emailed to you within 30 days of meeting the promotion requirements. Offer available to individuals without an existing checking account at State Bank. A $25.00 fee applies if a checking account is closed within 180 days. 

 

With the Visa Debit Card, you can make payments and purchases anywhere Visa is accepted. The funds are deducted from your checking account. And use the card to make cash withdrawals at ATMs nationwide.

For $10.99 – or $4.99 if you receive eStatements – you can also choose a Unique-2-U! debit card which allows you to upload your own photo or image to appear on the card. See Unique-2-U! FAQs, Image and Upload Guidelines, and Terms and Conditions for complete details.

 

We’ve also put together a “Switch Kit” with the forms you’ll need to complete to make a smooth transition from your old bank.

  1. Download the entire kit or download the forms individually.
  2. Just fill out the forms on your computer using Acrobat Reader (Once you complete information needed on more than one form, the Switch Kit automatically fills in that information on other forms).
  3. Print your Switch Kit and sign each form where necessary.
  4. Bring it to your local State Bank Banking Center and we’ll help you complete the process.

At State Bank, we work hard to ensure you have the tools and resources you need to be financially successful. That’s why we also offer:

  • Copy of statements
  • Check image statements
  • Copy of cancelled check images
  • Check cashing
  • Cashier’s checks
  • Counter checks
  • Collection items
  • Direct deposit
  • Money orders
  • Account research and balancing help
  • Safe deposit box rental
  • Wire transfers
  • Night depository
  • Notary and signature guarantee
  • Coin sorting (at some locations)