Personal Checking

Free Checking Account

Interest Checking Account1

Minimum Balance No mimimum balance $500 minimum balance
Monthly
Service Fee
No monthly service fee $5 monthly service fee or
waived with minimum balance
Interest None Interest 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
1 Interest 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.
3 Subject to credit approval, and fees and limits may apply.
4 Fees 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 and Internet Banking usage may be subject to a fee by your wireless service provider.
5 Fees may apply.  Internet Banking usage may be subject to a fee by your service provider.
Overdraft Protection Options 
Convenience Line Automatic Transfer
What is it? A line of credit that advances funds to cover items (checks or charges) that overdraw your account An automatic transfer from your checking or savings account to cover items (checks or charges) that overdraw your account
Limits Limited to remaining unused credit amount, subject to credit approval, and fees may apply. Must have a checking or savings account with State Bank of Alcester
Limited to available funds in your checking or savings account
How to apply Download and complete the application.  Send it to the bank.  Subject to credit approval, and fees may apply. Download the 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.