Checking & Savings Accounts

Home Banking Personal Checking & Savings

Hype Checking, Free Checking and Savings Options

Your needs are different from your neighbor’s or your friend’s down the street. For that reason, State Bank offers a variety of checking & savings account options to meet your needs. From Free Checking to HYPE Checking to Regular Savings and Money Market accounts, you are sure to find a checking & savings solution that best fit your lifestyle.

View Patriot Act 

Checking Accounts

HYPE Checking

Want more return on your checking account balances? HYPE Checking is your solution, offering 2.04% APY* on balances up to $25,000! You can also receive reimbursements for ATM fees up to $15.00. Simply meet the following qualifications (per statement cycle) to enjoy the premium rate and ATM fee reimbursements:

  • 10 debit card transactions
  • 2 direct deposit or automatic payment
  • Be enrolled in e-Statements
  • Sign-in to Online or Mobile Banking

HYPE Checking also offers unlimited check writing and only requires $100 to open.

*Annual Percentage Yields (APYs) accurate as of 06/19/19. Rates may change after account is opened. Minimum to open is $100. No monthly fees. Qualifications required per statement cycle are: sign into Online or Mobile Banking once, e-statements, 10 debit card transactions, 2 automatic transfers (ACH or direct deposit).  If qualifications are met each statement cycle: (1) Balances up to $25,000.00 receive APY of 2.04%; (2) The portion of balances $25,000.01 or more earn an interest rate of 0.10%, resulting in 2.04% - 0.10% APY, depending on the balance. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle during the statement cycle. Transactions may take one or more banking days from the date transaction was made to post and settle. ATM transactions do not count toward qualifying debit card transactions. See a bank employee for more details.

Open your HYPE Checking Account today!

Free Checking

Go basic with your checking account with Free Checking from State Bank. Perfect for those just starting out with limited income, Free Checking provides the services you need without hidden fees you’ll find at other institutions:

  • Unlimited check writing
  • Visa debit card
  • Online Banking, Mobile Banking and Telephone Banking
  • Bill Pay
  • e-Statements

Open your Free Checking Account today!

Club55 Checking

An account designed exclusively for our Club55 members, Club55 Checking comes with additional perks in addition to no monthly fees and the benefits of all our e-Services:

  • Unlimited check writing
  • Two FREE boxes of Club checks per year
  • $6.00 discount on safe deposit boxes
  • Eligibility for Club 55 events

The only fee is a $5.00 service charge if your combined balance falls below $500 on any day during the statement cycle.

Open your Club 55 Checking Account today!

Interest Checking

Designed to reward those who keep higher checking account balances, Interest Checking comes with tiered interest, as well as limitations on certain transactions. Interest tiers are as follows:

  • $0-$50,000
  • $50,000.01-$100,000
  • $100,000.01 and higher

Transaction limitations are limited to 25 free paper debits and 25 free transit (non-State Bank items) deposited item. The fee for each paper debit and free transit deposit item over 25 is $0.15. There will also be a $7.00 service fee charged should your account balance fall below $1,000 during the statement cycle.

Interest Checking account holders age 55 and older are eligible to attend Club 55 events as well.

Open your Interest Checking Account today! 

Savings Accounts

Regular Savings

A great saving solution for anyone! Regular Savings is the perfect place to start for beginning and experienced savers with no minimum to open and interest earned on all account balances.  Account features include:

  • Free debit card available
  • Six withdrawals per statement cycle ($1.00 per withdrawal over 6)
  • $2.00 service charge if your balance falls below $100 on any day during the statement cycle (waived for children/students 21 years old and younger)

Open your Regular Savings Account today!

Money Market Account

Make your money work for you with the Money Market account from State Bank! This account provides a great way to grow your money in a secured account with FDIC protection. Interest tiers are as follows:

  • $0-2,500
  • $2,500.01 and higher

Account holders are eligible for a free debit card, as well as Club 55 events if age 55 or older. Account fees are as follows:

  • $5.00 service fee should account balance fall below $2,500 on any day during statement cycle
  • $3.00 fee for each withdrawal over 6 per statement cycle

Open your Money Market Account today!


Are you having trouble finding what you are looking for?