BASIC BUSINESS CHECKING
Keeping it simple. Providing the account features you need to run your business. >more

BUSINESS ANALYSIS CHECKING
Advanced checking account features. Intelligent expense management. >more

NEIGHBORHOOD NOW ACCOUNT
An account uniquely designed with sole proprietors, not-for-profit organizations and government agencies in mind. >more

BUSINESS MONEY MARKET
A smart option for investing and managing your company's funds. >more

CDars
Certificates of Deposit Account Registry Service >more

IOLTAs
For attorneys who handle client funds. >more





BASIC BUSINESS CHECKING
Keeping it simple. Providing the account features you need to run your business. Basic Business Checking offers real value for small- to mid-size business customers who have moderate account activity each month. With a low minimum balance requirement, Basic Business Checking customers have the choice of maintaining a minimum balance or paying a low monthly service charge. Basic Business Checking allows for 200 combined debits and credits per month with no fee. For added convenience and account flexibility, Basic Business Checking customers can add Free online banking and optional online billpay to their account package.

As your business grows, your account needs may change. Be sure to talk with your SBT banker who may suggest a review of your company's cash management, or that you move your account into our Business Analysis package, which offers more advanced account features for larger business accounts.

  • Minimum opening deposit: $500
  • Minimum balance fee: None with average available balance of $500 or more; $7 when average daily balance falls below $500
  • Checks and debits: 200 free; $.50 each additional item
  • Deposited items: 200 free; $.50 each additional item
  • Check handling: Check images provided on monthly statement
  • Free telephone banking
  • Free online banking
  • Online billpay: First 25 bill payments Free; each additional, $.25
  • SBT logo checks available
  • Custom checks available
  • Account statement available on CD-ROM >top
BUSINESS ANALYSIS CHECKING
Advanced account features. Intelligent expense management. When you maintain a higher account balance or have a larger volume of account activity, consider Business Analysis Checking. This account is a particularly good value for growing businesses who can offset their account fees with a generous earnings credit. The higher your account balance, the lower your fees.

For maximum convenience, add business online banking to your account package and enjoy real-time, online account access anytime, anywhere you are able to log in to your account. Pay bills, check balances, transfer funds between accounts, retrieve check images, and more.

  • Minimum opening deposit: $1500
  • Monthly maintenance fee: None with average daily balance of $1500 or more; $18 when average daily balance falls below $1500
  • Debit fees: $0.19 per item
  • Deposited items: $1.00 plus $0.15 per check; $1.00 per $1000 cash
  • Check handling: Check images provided on monthly statement
  • Earnings credit - offsets account activity fees
  • Free telephone banking
  • Free online banking
  • Online billpay $9.95 per month
  • Account statement available on CD-ROM
  • Cash Management services available>top
NEIGHBORHOOD NOW ACCOUNT
Available to sole proprietors, not-for-profit organizations and government agencies, SBT's Neighborhood NOW Account offers low account fees and the opportunity to earn a competitive interest rate on your balances. You pay only for the account services you use, and the earnings on your account balances help offset fees.
  • Minimum opening deposit: $1000
  • Minimum balance fee: none
  • Checks and debits: 200 free; $.50 each additional
  • Deposited items: 200 free; $.50 each additional
  • Check handling: Check images provided on monthly statement
  • Interest: Variable / tiered on daily available balances of $1000 or more
  • Free telephone banking
  • Free online banking / billpay
  • Free 1st order of SBT logo checks
  • Wealth management, trust and investment services available >top

BUSINESS MONEY MARKET
Enhance your business checking package with this smart investment option.
SBT's Business Money Market can play an important role in the investment and management of your company's funds. Business Money Market account balances are FDIC insured to the extent permitted by law and earn competitive, tiered rates of interest. With this account, you may perform unlimited in-person teller transactions and three debits by check per statement cycle.

  • Minimum opening deposit: $5000
  • Minimum balance fee: none with average daily balance of $5000 or more; $12 when average daily balance falls below $5000
  • Checks and debits: 6 pre-authorized withdrawals per cycle; 3 may be by check. Additional pre-authorized withdrawals $15 ea.
  • Deposited items: 50 free; $.40 each additional
  • Check handling: check images provided on monthly statement
  • Interest: variable / tiered
  • Free telephone banking
  • Online banking >top
IOLTAs
Interest on Lawyer's Trust Account - this account, also known as IOLTA, is specifically designed for attorneys who handle client funds. The interest earned on an IOLTA account is paid to the Lawyer's Trust Fund of Illinois to benefit the public with legal assistance programs. In support of these efforts, SBT waives the monthly minimum balance fee on IOLTA accounts >top