CHECKING
We've designed SBT's Personal Checking Accounts to fit
your lifestyle, whether you write a few checks each month or a lot;
whether you seek a checking account with no minimum balance
requirement, or an interest-bearing account offering loads of features. Let us help you find the account that is
the perfect fit for you.
FREE Checking - Easy. Free. FREE Checking is the
perfect account choice when you prefer checking with no minimum
balance requirement but still want an account loaded with features
to make managing your finances a breeze. If handling less paper is important to you, have your statement delivered electonically via your online banking account.
Add the SBT Debit MasterCard to FREE Checking to pay for purchases and use your card to make cash
withdrawals or check your balance at ATMs.
- Minimum opening deposit: $50
- Minimum balance fee: None
- ATM Transactions: Unlimited free at SBT ATMs
- Check handling: images provided on monthly statement
- Free telephone banking
- Free online banking / billpay*
- Overdraft protection available to qualified applicants
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eChecking -
Use any ATM anywhere and we'll pay that other bank's fee! eChecking is a totally free checking account available
to SBT online banking customers who enjoy the convenience of
direct deposit and electronic delivery of their monthly statement.
With the addition of an SBT Debit MasterCard, eChecking customers
gain 2 significant advantages:
- Unlimited Free Access to ATMs everywhere
- Fee reimbursement - use another bank's ATM and we'll
pay that other bank's fee!
- Minimum opening deposit: $100
- Minimum balance fee: none with direct deposit of your
paycheck or other recurring deposit2
- ATM transactions: unlimited free ATM transactions; Fees for
ATM transactions using other banks ATMs will be reimbursed up to
a maximum of $10 per card per month3
- Check handling: check images viewable online
- Statement availability notification sent via secure e-mail1
- Free telephone banking
- Free online banking / billpay*
- Overdraft protection available to qualified applicants
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Classic Checking - The account to choose when you maintain a
moderate account balance and prefer a traditional-type checking
account.
- Minimum opening deposit: $100
- Minimum balance fee: none with average daily balance of $100
or more; $10 fee when average daily balance falls below $100
- ATM transactions: unlimited free SBT ATM transactions at SBT-owned
and operated ATMs
- Check handling: images provided on monthly statement
- Free telephone banking
- Free online banking / billpay*
- Overdraft protection available to qualified applicants >top
Prestige Checking - An account designed exclusively for our
customers age 50 and better, Prestige Checking requires no minimum balance account and allows you to write unlimited checks
and perform free ATM transactions at any convenient SBT location.
Prestige Checking customers receive free SBT logo checks and may
choose to add account options including the SBT Debit MasterCard, easy-to-read "Guideline" checks and enlarged
check images printed on the monthly account statement.
- Minimum opening deposit: $50
- Minimum balance requirement: none
- Complimentary SBT logo checks available
- ATM transactions: unlimited free SBT ATM transactions at SBT
owned and operated ATMs
- Check handling: images provided on monthly statement
- Free enlarged check images upon request
- Free telephone banking
- Free online banking / billpay*
- Easy-to-read "Guideline" checks available
- Overdraft protection available to qualified applicants >top
Enjoy! Prestige Checking with Interest- Designed exclusively for our
customers age 50 and better who are members of Enjoy!, Prestige Checking with Interest requires no minimum balance and allows you to write unlimited checks
and perform free ATM transactions at any convenient SBT location, all while earning interest.
Prestige Checking with Interest customers receive free Enjoy! logo checks and may
choose to add account options including the SBT Debit MasterCard, easy-to-read "Guideline" checks and enlarged
check images printed on the monthly account statement.
- Minimum opening deposit: $50
- Minimum balance requirement: none
- Complimentary Enjoy! logo checks available
- ATM transactions: unlimited free SBT ATM transactions at SBT
owned and operated ATMs
- Check handling: images provided on monthly statement
- Free enlarged check images upon request
- Free telephone banking
- Free online banking / billpay*
- Easy-to-read "Guideline" checks available
- Overdraft protection available to qualified applicants
- Variable/tiered interest paid >top
NOW Account - Write unlimited checks and earn interest
on your checking account balances with SBT's NOW Account checking.
- Minimum opening deposit: $2000
- Minimum balance fee: none with average daily balance of
$2000 or more; $25 when average daily balance falls below $2000
- ATM transactions: free at SBT owned and operated ATMs
- Checks / debits: unlimited, free
- Check handling: images provided on monthly statement
- Interest bearing - variable/tiered interest paid on daily collected balances
of $2000 or more
- Free telephone banking
- Free online banking / billpay*
- Overdraft protection available to qualified applicants >top
Advantage Checking - Reward yourself with an array of valuable account benefits when
you select Advantage Checking, including reimbursement of
the fees other banks charge when you use their ATMs. Advantage
Checking customers carry a special-edition SBT Debit MasterCard,
receive fee-free service for Money Orders, Cashier's Checks,
Travelers Checks and MasterCard Gift Cards, and, upon request, receive a complimentary financial review conducted by SBT's
Wealth Management, Trust & Investment Services department.
- Minimum opening deposit: $5000
- Minimum balance fee: none with average daily balance of
$5000 or more; $25 when average daily balance falls below $5000
- ATM transactions: unlimited free ATM transactions. Fees that other banks may charge you for using their ATMs will be reimbursed up to
a maximum of $15 per month/per debit card3
- Special edition SBT Debit MasterCard
- Complimentary 1st order of SBT logo checks
- Check handling: images provided on monthly statement
- Interest bearing - variable/tiered interest paid on daily available balances
of $5000 or more
- Free telephone banking
- Free online banking / billpay*
- Overdraft protection available to qualified applicants
- Complimentary financial review
- No fee for: Travelers checks, Cashiers checks, Money orders
- Complimentary invitations to SBT's special events
- Advance notification of special promotions >top
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