Introducing our Simple, Carefree, & Everyday accounts!

Banking doesn't need to be complicated to be great, and it doesn't need to take a lot of time either. Our new Simple, Carefree, and Everyday accounts were built to fit into your everyday life, freeing up your time to get back to what matters most to you! Each has it’s own unique benefits, but all fit the same bill – Simple. Carefree. Everyday.


Simple Rewards

Earn rewards* for using your Debit Card for everyday purchases. It's that simple!

  • No minimum balance
  • If you miss out on rewards one month, you can get right back to earning rewards the very next month!


Carefree Account

Use it like a checking account OR use it as a Money Market, all while earning interest on your balance. It’s the best of both worlds!

  • Tiered Interest Rates
  • ATM Surcharges Refunded1


Everyday Savings

Great whether you're saving to reach a goal or putting money away for everyday expenses.

  • Unlimited withdrawals or transfers
  • Earns interest
  • Earn even more when you have a loan relationship at SNBT2

*To earn $5.00 reward, you must be enrolled in eStatements and 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. A statement cycle begins the first business day of the month and ends on the last business day of the month.

Receive up to $10 each statement cycle as reimbursement for ATM fees charged by the owner of the non-SNBT ATM for transactions conducted with your SNBT debit card.  

2Accounts & Loans must be titled in the same Tax Reporting Owner to qualify.

Benefits of Opening Your Account Online

  • Quick, easy, convenient!
  • Bank on your schedule - There's no need to make special or rushed trips to the branch.
  • Whether it's Sunday morning or Friday night, open an account when it's convenient for you.
  • No need for formal attire, open your account from the comfort of your living room.
  • It's secure, we use multiple layers of encryption to keep your information safe!
  • We're still here to help! If you need assistance during the account opening process, call us at 715-732-1732.

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.
  • 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
  • Debit Card Overdraft Consent 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.