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Personal Checking AccountsPersonal Checking

We have a checking account for everyone.

Choose a free Checking Account* and enjoy the cash rewards of your choice — all for doing banking basics you’re probably already doing. Meanwhile, our Club package offers a variety of perks. Visit us today to open your account in minutes. Get the process started by completing our Personal New Account Application.

Free 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****

Cash Rewards

Cash Back Rewards


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.



Rewards for Shopping


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


ATM Refunds***

Yes-up to $4.99 per item

Yes – up to $4.99 per item


Minimum Balance




To Qualify

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

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

6 Debit
If not met, a
$3 fee is
assessed per

Minimum to Open





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


 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)

*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. 


Be safe, use Popmoney to pay other people using a mobile phone number, email address or account number. Best of all, you don't need to download a new app to send or receive money. Just use your State Bank account! Login to Online Banking and head to the Bill Pay tab to get started!


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Did you know we literally pay you to bank here? Our Rewards Checking is so good even WE have a hard time believing it.  Open one of our Rewards Checking Accounts and start enjoying the benefits today. Click  'Rewards Checking' to learn more!

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