• ATM surcharges1 refunded up to $15 per month
  • First box of checks at no charge
  • Tiered interest rates
  • Unlimited transactions


  • $5,000 in Sterling Rewards Checking or
  • $25,000 combined balance2 between Checking / Savings / CD / Loans or
  • Trust Relationship
  • $25.00 service charge and forfeiture of rewards if requirements are not met


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 eTeller ATM. The first 4 ATM transactions per calendar month at non-SNBT ATMs are at no charge; thereafter $1.50 each.

2 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.


*Effective as of 7/2/2022

AmountInterest RateAPY*Compounded
$0.01 - $24,999.990.13%0.13%Monthly
$25,000.00 - $99,999.990.17%0.17%Monthly
$100,00.00 - $499,99.990.20%0.20%Monthly
$500,00.00 - or More0.23%0.23%Monthly
*Your interest rate and Annual Percentage Yield (APY) may change at our discretion, at any time without notice.

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.