Additional Services

Overdraft Services

We have all been there at one time or another... made an error balancing our checking account which caused an overdraft. Sometimes mistakes happen, which may cause you to overdraw your account. For the occasional accounting error, let our Overdraft Services assist you.

Overdraft Protection: 

  • Your first line of defense against an overdraft.
  • This service transfers money from your savings account into your checking account.
  • A small transaction fee is charged for each overdraft transfer, which costs less than an overdraft fee.

Ready Credit: 

  • A convenient line of credit that transfers funds into your checking account.
  • You are charged a small annual fee and only pay interest on the funds actually used, which costs less than continual overdraft fees.

Overdraft Courtesy Coverage: 

  • We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
  • An overdraft fee may apply for this discretionary service.
  • Available in addition to the overdraft services listed above.

Opt-In Overdraft Service: 

  • May help you avoid having your transactions automatically declined.
  • Applies only to ATM and everyday Debit Card transactions.
  • An overdraft fee may apply if this service is used to complete your transaction.

Read More About Overdraft Services to learn if they are right for you.


Want more ways you can streamline banking? Take advantage of our convenient e-Banking Services. They will help you access your accounts from virtually anywhere! Now you can keep track of balances, make payments, and view statements quickly and easily. Learn More about our great e-Banking Services Today!

Retirement Planning - IRAs  
Turn to The Retirement Experts® Whether you're just beginning to plan for your retirement, you already have a plan in place, or you are retired - visit The Retirement Experts at SNBT for a free one-on-one consultation with no obligation.

Don’t forget about these services:

Switch Kit - Ready to move your bank account to SNBT - we take the hassle out with our easy-to-use Switch Kit.

Safe Deposit Box
Ready Credit
Health Savings Accounts
Gift Cards
Cashier’s Checks

Reorder Checks and Deposit Tickets