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. 

  • Tiered Interest Rates
  • ATM Surcharges Refunded*
  • Unlimited Transactions

Hometown Account

The account you can bank on to make a difference. 

  • Supports local youth
  • Low minimum balance*
  • Paper statements at no charge


For those with an aptitude for technology.

  • $5 cash credit to your account*
  • Additional eServices
  • Our most rewarding account

Basic Checking

An account that keeps it simple. No frills, no fuss necessary.

  • No minimum balance*
  • Additional eServices
  • Unlimited Transactions


Stay in control of your healthcare costs. 

  • Tax-deductible contributions*
  • Pay for qualified medical expenses
  • Don't need to be self-employed or employed by small employers to qualify.

Compare Your Checking Options

Let us help match you with the checking account that fits your lifestyle.

*Effective as of 6/26/2022

Benefits & Rewards
Minimum Balance & Requirements
Ways to Earn
Earns Interest
Service Charge

if Requirements Not Met

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 Make at least twenty-five (25) qualifying SNBT debit card point of sale (POS) transactions (PIN-based or signature-based) that post and clear the account each statement cycle to earn $5.00 reward. A statement cycle begins the first calendar day of the month and ends on the last calendar day of the month.

Additional Features

  • Overdraft Protection:
    • Transfers money from another deposit account into your checking account.
    • A small transaction charge is assessed for each overdraft transfer, which costs less than an overdraft charge.
  • Ready Credit:
    • Transfers funds from a line of credit into your checking account.
    • A small annual charge is assessed and you only pay interest on the funds actually used, which costs less than continual overdraft charges.
  • Overdraft Consideration:
    • We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
    • An overdraft charge may apply for this discretionary service.
    • Available in addition to the overdraft services listed above.
    • Learn the details of Overdraft Consideration
  • Opt-In Overdraft Service:
    • May help you avoid having your transactions automatically declined.
    • Applies only to ATM and everyday Debit Card transactions.
    • An overdraft charge may apply if this service is used to complete your transaction.
  • Learn More about Overdraft Services here.
  • Automated bank-by phone system that gives you account information using a touchtone phone. To access, call 715-735-BANK (2265) or 800-924-9796.
  • Many employers offer paycheck deposits into a checking or savings account. Consider taking advantage of this benefit to help with budgeting by earmarking a portion of each paycheck to be deposited into your savings account.
  • Keep valuable information and important documents safe.
  • The gift that's always the perfect size for any occasion.
  • Businesses can use this to reward employees and thank customers.