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.
- 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
eChecking
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
HSA
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 |
| eServices |
| 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.
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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.
- Reorder your checks here:
- https://orderpoint.deluxe.com/personal-checks/welcome.htm?execution=e1s1