Checking

Get paid to bank here!  Choose a free Checking Account* and enjoy the cash rewards of your choice — just for doing banking basics you’re probably already doing.  Enjoy unlimited ATM fee refunds when you qualify.  The perfect complement to your account, the SBW Club package offers a variety of added of perks. 

OPEN AN ACCOUNT

Benefits With All Accounts:

  • Instant Issue EMV Chip MasterCard Debit Card
  • eStatements
  • Night Drop Service
  • Text Banking
  • Direct Deposit
  • Telephone Banking
  • Account Alerts
  • Digital Wallet
  • Mobile Banking
  • Notary Service
  • Online Banking
  • Bill Pay
  • Popmoney
  • Overdraft Protection
  • Overdraft Privilege****
Accounts Cash Rewards  Cash Back RewardseChoice 
 Compare Our Checking Accounts

Open your account today!

OPEN CASH REWARDS

OPEN CASH BACK REWARDS

OPEN ECHOICE

Earns Interest

1.75% APY** on balances
less than $10,000.01

 The APY** on balances of
$10,000.01 or more will range
from 1.75% to 0.34%
depending on the
balance in your account. 

No 

No 

Rewards for Shopping

No 

Earn 3% on Debit Card
purchases for the first $200
spent ($6 max per
qualification cycle)  

No

ATM Refunds*** 

Yes-up to $4.99 per item 

Yes-up to $4.99 per item 

No 

Minimum Balance

No 

No 

No 

To Qualify

12 Debit Purchases
AND
1 Direct Deposit or
Automatic Withdrawal
AND
eStatements
AND
Access Online Banking during each qualification cycle.
If not met, earn .05% APY**
on all balances and no ATM fees  refunded  

12 Debit Purchases 
AND
1 Direct Deposit or
Automatic Withdrawal
AND
eStatements
AND
Access Online Banking during each qualification cycle. If not met, no cash back for purchases and no ATM fees refunded

 6 Debit Purchases OR
eStatements
If not met, a $3 fee is assessed per
qualification cycle

Minimum to Open 

$50 

$50 

$50 

SBW Club

  • $7 per month for members under 65 years of age.
  • 65+ years of age & $100 on deposit – FREE

Club Package Includes:

  • Club Checks at no additional charge
  • Cashier’s Checks & Money Orders at no additional charge
  • Safe Deposit Box Discount – $5/year
  • Reduced Fee for License Stickers
  • Discounted Copy Services

*Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Enrollment in online banking, receipt of electronic statements and a debit card are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements), log-ons, monthly direct deposit or automatic withdrawal and debit card transactions are required to meet the account’s qualifications for earning rewards. Limit (2) accounts per household. There are no recurring monthly service charges or fees to open or close this account. Other fees could reduce earnings. Contact one of our customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  
**Annual Percentage Yield (APY) effective as of March 24, 2016.  Rates are subject to change after account is opened.
***ATM fees incurred during qualification cycle will be automatically reimbursed up to $4.99 per single transaction if qualifications are met within monthly qualification cycle.  The "Monthly Qualification Cycle" is from the first business day of the month to the close of business on the last business day of that month. Close of business is at 4:00 pm.  ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 
Transactions conducted at an ATM are not considered as qualifying debit card purchases.
****Must register in advance and qualify for Overdraft Privilege and Mobile Deposit. There is a per-item overdraft charge.  Click here for complete details of Overdraft Privilege.  

Additional Consumer Products and Services

  • Mobile Deposit****
  • Safe Deposit Boxes
  • Cashier’s Check & Money Orders
  • Savings Accounts
  • Auto, Home, Personal, or Commercial Loans
  • Wire Transfer Services
  • Consumer Credit Cards
  • Certificates of Deposit(CDs)
  • Individual Retirement Accounts (IRAs)
  • Health Savings Accounts (HSAs) 

Have Questions?

Speak to a Customer Service Rep at any of our locations to learn more about our checking services.

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