Member FDIC    Equal Housing Lender Privacy Policy

Personal Checking Accounts

Basic Checking
Checking Needs:  For customers who have low activity.  No Minimum Balance.
Canceled Checks Safekept:  Yes, first 5 copies free per year then $2 per copy.
Canceled Checks Returned:  Yes, $1 per month.
Interest Earned:  No.
Cash Card:  Yes
Check Card:  Yes, $1 per month
Dormant Accounts:  $.50 Monthly Fee on accounts with balances below $100.
Telebank/Internet Banking/Bill Pay:  Yes, No Charge.
Account Details:  No maintenance fee if less than 25 debits per month.  If more than 25 then $.15 for each withdrawal after the first 25.  Contact us concerning other fees that may be applicable to your account.
 
Budget Checking
Checking Needs:  For customers with high activity and debit card needs.
Canceled Checks Safekept:  Yes, first 5 copies free per year then $2 per copy.
Canceled Checks Returned:  Yes, $1 per month.
Interest Earned:  No.
Cash Card:  Yes
Check Card:  Yes, $1 per month
Dormant Accounts:  $.50 Monthly Fee on accounts with balances below $100.
Telebank/Internet Banking/Bill Pay:  Yes, No Charge.
Account Details:  $2 per month maintenance fee plus $.15 per debit after 42 debits OR monthly Banclub charges.  See below.  Contact us concerning other fees that may be applicable to your account.
 
Interest Checking
Checking Needs:  For customers with higher balances who want their funds to earn interest.
Canceled Checks Safekept:  Yes, first 5 copies free per year then $2 per copy.
Canceled Checks Returned:  Yes, $1 per month.
Interest Earned:  *Yes.
Cash Card:  Yes
Check Card:  Yes, $1 per month
Dormant Accounts:  $.50 Monthly Fee on accounts with balances below $100.
Telebank/Internet Banking/Bill Pay:  Yes, No Charge.
Account Details:  $900 minimum balance OR $5000 in related deposit account  If balance is not maintained a fee of $5 per month PLUS $.15 per debit per month (after 42) will be charged.  600 free basic graystone style checks per year.  Banclub may be added.  See below. Contact us concerning other fees that may be applicable to your account.
 
Gold Interest Checking
Checking Needs:  For customers over 55 years of age and use additional services with us.
Canceled Checks Safekept:  Yes, first 5 copies free per year then $2 per copy.
Canceled Checks Returned:  Yes, $1 per month.
Interest Earned:  *Yes.
Cash Card:  Yes
Check Card:  Yes, monthly fee waived.
Dormant Accounts:  $.50 Monthly Fee on accounts with balances below $100.
Telebank/Internet Banking/Bill Pay:  Yes, No Charge.
Account Details:  No minimum balance.  $.15 per debit will be charged for all debits after 42 per month.  600 free basic graystone style checks per year.  In addition, you may add Banclub.  See below. Contact us concerning other fees that may be applicable to your account.
 
Treasure Club Checking
Checking Needs:  For customers over 55 years of age and maintain a certain level of deposits with us.
Canceled Checks Safekept:  Yes, first 5 copies free per year then $2 per copy.
Canceled Checks Returned:  Yes, $1 per month.
Interest Earned:  *Yes.
Cash Card:  Yes
Check Card:  Yes, monthly fee waived.
Dormant Accounts:  $.50 Monthly Fee on accounts with balances below $100.
Telebank/Internet Banking/Bill Pay:  Yes, No Charge.
Account Details:  No minimum balance.  Unlimited number of debits per month.  In addition, you may add Banclub.  See your Treasure Club Coordinator for details. Contact us concerning other fees that may be applicable to your account.
Additional Services with Treasure Club:
  - Safe Deposit Box Discounts
  - Bonus rates on CDs
  - Basic checks at no charge
  - Educational Seminars
  - Group Travel Adventures
  - Social Events
 
All Three Options for Banclub are Available for the Above Accounts:
  - $6 per Month includes $10,000 Accidental Death Insurance
  - $7 per Month includes $20,000 Accidental Death Insurance
  - $8 per Month includes $30,000 Accidental Death Insurance
 
* Contact State Bank & Trust Company for current interest rate information.

Check prices may vary depending upon style