Checking
| Sterling Rewards | Classic Checking | e-Checking | Your Choice Rewards | Basic Checking | Progressive Money Market | |
|---|---|---|---|---|---|---|
| Benefits/Rewards Earned Each Statement Cycle if Requirements Met | Earn interest & get up to $15 ATM surcharge(1) refunds Current Rates | Earn interest without maintaining a large balance Current Rates | Get $5 cash back to enjoy electronic banking | Choose either: Up to $5 cash back for debit transactions OR up to $15 ATM surcharge(1) refunds | Easy: A no-fuss, straightforward account | Earn more money! Higher balance earns higher interest rate Current Rates |
| Minimum Balance & Account Requirements | $5,000 in checking OR $25,000 combined balance(2) OR Trust Relationship | $1,000 in checking OR $10,000 combined balance(2) OR Trust Relationship | $1,000 combined balance(2) | $5,000 combined balance(2) AND minimum of one direct deposit of $25 or more | No requirements | $10,000 Limited to 6 preauthorized withdrawals per month |
| Bank Online / Bill Pay at No Charge (3) | 4 bills required per month | |||||
| e-Statements | Required | |||||
| Mobile Banking | ||||||
| Debit Card | 8 purchases required | 8 purchases required | ||||
| Service Charge if Requirements Not Met | $20.00 and forfeiture of rewards | $10.00 | $10.00 and forfeiture of rewards | $10.00 and forfeiture of rewards | N/A | $10.00 |
| Account Details & Disclosure | More Info Full Disclosure | More Info Full Disclosure | More Info Full Disclosure | More Info Full ATM Disclosure & Debit Disclosure | More Info Full Disclosure | More Info Full Disclosure |
(1) An ATM surcharge is the fee that the owner of the non-SNBT ATM may charge for a transaction conducted with a Debit Card or ATM card. All checking accounts receive unlimited use of any SNBT ATM. The first 4 ATM transactions per calendar month at non-SNBT ATMs are at no charge; thereafter $1 each. Sterling Rewards and Your Choice ATM Rewards will receive all transactions at no charge.
(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) Bill Pay is available at no monthly charge when at least one bill is paid/processed during the calendar month. Otherwise there will be a charge of $6 for that statement cycle. Popmoney does not count as a Bill Pay transaction.