Checking
There never seem to be enough hours in the day, but with the right checking account, you will find the time to manage your money, your way.
Checking
There never seem to be enough hours in the day, but with the right checking account, you will find the time to manage your money, your way.
Take Your Pick
We don't believe in "one size fits all," and neither should you. You deserve a checking account that fits your lifestyle and banking needs.
Sterling Rewards
Add a little extra value back into your everyday.
Hometown Checking
The account you can bank on to make a difference.
eChecking
For those with an aptitude for technology.
Basic Checking
An account that keeps it simple. No frills, no fuss necessary.
HSA
Stay in control of your healthcare costs.
Compare Your Checking Options
Let us help match you with the checking account that fits your lifestyle.
*Effective as of 5/29/2022
Sterling Rewards | Hometown Checking | eChecking | Basic Checking | Money Markets | |
---|---|---|---|---|---|
Benefits & Rewards | Receive up to $15 ATM surcharge refunds (1) | Your dependable, everyday account | Earn $5 monthly by banking electronically | Easy: A no-fuss, straightforward account | Earn more money! A higher interest rate option. |
Minimum Balance & Requirements | $5,000 in checking or $25,000 combined balance (2) or Trust Relationship | $500 | $1,000 combined balance (2) | No requirements | See Money Markets |
eServices | Required (3) | ||||
Earns Interest | |||||
Service Charge if Requirements Not Met | $25.00 and forfeiture of rewards | $15.00 if below minimum | $15.00 and forfeiture of rewards | $3.00 to receive paper statements | $15.00 if below minimum |
Account Details | About Sterling Rewards | About Hometown Checking | About eChecking | About Basic Checking | About Money Markets |
1 An ATM surcharge is the fee that the owner of the non-Stephenson National Bank & Trust ATM may charge for a transaction conducted with a ATM or Debit Card.
2 Combined Balance - Accounts must be titled in the same Tax Reporting Owner to qualify. Deposit accounts use the Minimum Balance month-to-date, which is the lowest balance during the current calendar month. Loan balances are based on the current balance and any available credit amount on lines of credit.
3 All activities must be completed each month, plus $1,000 combined balance to receive $5 reward: Make 8 Debit Card purchases; Pay 4 bills using Bill Pay; and Receive eStatements. Zelle is not considered a Bill Pay transaction and requires Bill Pay activation.
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