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Personal Checking

Access Your Money When You Need It.

Choose from multiple checking account options for the account that best meets your needs. Whether you’re just interested in no fuss checking or you’d like an account with next-level security, we have you covered.

Compare Personal Checking Accounts

Account TypeFee ScheduleFeatures

Basic Checking

No monthly service charge when you maintain an average ledger balance of $2,000 or enroll in e-statements

By withdrawing consent for e-statements or not maintaining the $2,000 average ledger balance, the monthly service charge will be $5 per month

Excess check charge: $0.50 per check over 10 checks per statement cycle

A simple checking account ideal for those who don't write many checks

$100 minimum to open

Apply Now

SB Secure Checking

No monthly service charge if account has a $5,000 average ledger balance or a $5,000 combined average ledger balance in a savings, money market or another checking account or sign up to receive e-statements for this account

By withdrawing consent for e-statements or not maintaining the $5,000 average ledger balance, the monthly service charge will be $7 per month

 

IDProtect®: an identity theft protection service (some benefits require registration/activation)

Get protection for you and your family

  • Joint account holders
  • Spouses
  • Dependent children (up to age 25)
  • Parents living in the same household as the account owner

Apply Now 

NOW Checking

No monthly service charge if account has a $1,500 average ledger balance or a $2,500 average ledger balance in a savings, money market, or another checking account

$7 per month service charge if average ledger balances are not maintained

Excess check charge: $0.15 per check over 25 per month if account receives a service charge

Earn tiered interest on your funds

$100 minimum to open

Apply Now

Discover Club Checking

Exclusive to customers age 50 and better

Must maintain $10,000 of combined deposits at State Bank

Earn interest 

Travel opportunities

Free Checks

Apply Now

Health Savings Accounts (HSA)

Must be covered under a high deductible healthcare (HDHP) insurance plan

Use pre-tax* dollars to pay for medical-related expenses

Annual deposits may not exceed maximum allowed by law*

Click here to learn more about HSA requirements and contribution limits

 

Earn interest 

Account is owned by you, not your employer

No "use it or lose it" policy

Apply Now

*Consult your tax advisor 

Visit our Identity Theft Security and Education Center pages to learn more about how to protect your accounts from identity theft and fraud! 
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Header Photo by Alicia Wagner