Personal Checking

 Free Checking AccountInterest Checking Account1
Minimum Balance Monthly
No mimimum balance$500 minimum balance
Monthly Service Fee
No monthly service fee$5 monthly service fee or waived with minimum balance
Interest
NoneInterest compounded monthly2
Overdraft Protection
Automatic transfer or
line of credit3
Automatic transfer or
line of credit3
Statement Options
Image statements
Online statements
E-Statements
Image statements
Online statements
E-Statements
Other Account Benefits
Check Card4
Internet Banking5
Bill Pay4
Mobile Banking4
24-hour Telephone Banking
Unlimited Check Writing
Check Card4
Internet Banking5
Bill Pay4
Mobile Banking4
24-hour Telephone Banking
Unlimited Check Writing
How to Apply
Visit the Bank
Call (605) 934-2500
Apply Online

Visit the Bank
Call (605) 934-2500
Apply Online
1Interest checking account cannot be held by Corporations, Partnerships, Limited Liability Partnerships, Associations, Business Trusts, Credit Unions, Mutual Insurance Companies, Crop Financing Organizations, Legal Services Plans or Farmers’ Cooperatives. Fees may reduce earnings.
2Fees may reduce earnings.
3Subject to credit approval, and fees and limits may apply.
4Fees and limits may apply. Must be 18 years of age or older to have Bill Pay. Not all Mobile Banking Services are available on all types of mobile devices. Mobile Banking usage may be subject to a fee by your wireless service provider.
5Fees may apply. Internet Banking usage may be subject to a fee by your service provider.
 

Overdraft Protection Options

 Convenience LineAutomatic Transfer
What is It?
A line of credit that advances funds to cover items (checks or charges) that overdraw your accountAn automatic transfer from your checking or savings account to cover items (checks or charges) that overdraw your account
Limits
Limited to remaining unused credit amountMust have a checking or savings account with State Bank of Alcester
Limited to available funds in your checking or savings account to apply
How to Apply
Download and complete the application. Send it to the bank. Subject to credit approval, and fees and limits may apply for each advance.Download and complete the application. Send it to the bank.

Product descriptions herein do not take the place of required disclosures under federal and state regulations. Please contact us for disclosures appropriate to these accounts.

Personal Banking

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