Savings Accounts

Regular Savings
This account requires a $1 minimum balance and six withdrawals may be made in a four week period.

Moose Club Savings 
Offered to persons 18 years old and younger. This account requires a $1 minimum balance and six withdrawals may be made in a four week period.

Money Market
This account requires a minimum balance of $2,500 and earns the money market interest rate. If the balance falls below $2,500, a service charge will be applied and you will earn the interest rate of a regular savings for that month. Six withdrawals for this account may be made each four-week period; a service charge is applied for each withdrawal after six.

Individual Retirement Account (I.R.A.)
Let State Bank assist you with retirement planning by setting up an IRA to accomplish long-range goals. A $100 minimum balance is required on IRAs, and a substantial IRA penalty applies if you withdraw from this account before the age of 59 1/2.

Christmas Club Savings
No minimum balance is required on this account. There are no withdrawals on this account; instead, a check for the balance will be sent to you on November 16th of each year.
 

Personal Checking Accounts

Basic Checking
This no-frills account is perfect for non-profit groups and customers with low activity. No minimum balance is required and no interest is earned.

Budget Checking
This account is suited for customers who have high activity. No minimum balance is required and no interest is earned.

Interest Checking
Customers with higher balances who want their funds to earn interest appreciate this account. To qualify for this account customers must have a $900 average daily balance, or $5000 in a State Bank deposit account. Six hundred basic checks per year are free to these customers.

Gold Interest Checking
This account is tailored to customers over 50 who use our additional services. There is no minimum balance requirement and interest is earned on this account. Depositors receive 10 free cashier's checks a month, free regular traveler's checks and 600 basic checks per year. 

Business Checking Accounts

Business Checking 
Sole proprietors, corporations, partnerships, DBAs, limited liability companies (L.L.C.), and joint ventures are eligible for this account. Interest is not earned but credit is applied on balances to reduce service charges. Credit back is based on the 91 day Treasury Bill rate.


Business Plus Checking 
Sole proprietors, DBAs, and nonprofit corporations are eligible for this interest-bearing account.


Small Business Checking
Sole proprietors, corporations, partnerships, DBAs, limited liability companies (L.L.C.), and joint ventures are eligible for this account. This account is designed for businesses with low activity.

Loans

Commercial Loans
State Bank is eager to help community businesses prosper. We work with all SBA programs so our response time is minimal. In addition to start-up and expansion loans, we will work with you to provide loans for capital, inventory, real estate, equipment and lines of credit. 

Consumer Loans
Whether you're dreaming of a vacation, home improvements or your next car, State Bank can make your dreams come true. With our competitive rates and simple loan process, your dreams won't turn into a nightmare of paperwork and delays.

Real Estate Loans
We offer competitive rates on residential and commercial real estate loans, a simple application process and quick approval time. Our full line of financial products and services includes FHA and VA financing, conventional loans and home equity loans.

Trust Department
State Bank offers a full-service trust department. We serve as custodian and manager of various types of assets, from financial and estate plans to ranch properties. Please contact us for more information.

Escrow Department
State Bank offers valuable services to buyers and sellers of real property. We will safekeep your documents, agreements, and contracts for deed. If you need accounting services, we will receive and disburse payments and report to the IRS.

Telebank

Internet Banking/Bill Pay

Safe Deposit Boxes

Account Fees & Charges