Checking

(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.