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 - 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 handling your finances easy. And because your monthly statement is delivered electronically, you will he handling a lot less paper each month.
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: None
- 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 the 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 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 Without direct deposit the account will be charged $15
per monthly statement cycle.
- 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 perfect account for those who 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
Student Checking- Take SBT to school! Student checking offers all of the nifty features of eChecking, including ATM fee reimbursement so you can use any ATM at school without having to worry about paying fees! Your first order of 50 starter checks is FREE! We'll waive the direct deposit requirement until you graduate making Student Checking the perfect account to take with you to campus!
- Minimum opening deposit: None
- Minimum balance fee: none
- Free ATM Debit MasterCard®5
- ATM transactions: unlimited free ATM transactions; Fees for
ATM transactions using other banks ATMs will be reimbursed up to
a
maximum of $10 per month
- Free starter checks
- Free telephone banking
- Free online banking / billpay*
- Parents who are signers on their child's account can transfer funds online from their own SBT account into their student's SBT account
- Overdraft protection available to qualified applicants >top
Prestige Checking - Available exclusively to our
customers age 50+, Prestige Checking with no minimum balance requirement, allows you to write unlimited checks
and perform free ATM transactions at any convenient SBT location.
Special account features include free SBT logo checks, available easy-to-read "Guideline" checks and enlarged
check images.
- Minimum opening deposit: None
- 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 Enjoy!program members, Prestige Checking with Interest pays interest on your entire balance! With no minimum balance requirement, no monthly maintenance fees and all the conveniences of banking with SBT, you're going to love your new checking account! We'll even help you switch your direct deposits and automated payments.
Ready to get started? Simply complete an Enjoy! application, available at your local branch, and return it to a Personal Banker who will assist you in opening your account.
- Minimum opening deposit: None
- 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
- Variable/tiered interest paid >top
NOW Account - Earn a competitive rate of interest and write unlimited checks with SBT's NOW Checking account.
- 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 - Advantage Checking is a great interest-bearing account for customers who maintain a higher balance and will benefit from an array of valuable benefits including: complimentary SBT logo checks, special edition SBT Advantage Debit MasterCard, unlimited free use of ATMs everywhere, ATM fee reimbursement, no SBT fee for Traveler's Checks, Money Orders, Cashier's Checks and MasterCard® Gift Cards, and invitations to a variety of SBT afterhours events, workshops and seminars.
- 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 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
- No fee for: travelers checks, official checks and gift cards
- Invitations to SBT special events >top
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