• Unlimited withdrawals or transfers
  • Use with a checking account for Overdraft Protection
  • Earns interest


  • Minimum opening deposit of $250 ($25 if under age 18)
  • Minimum balance of $50 required to earn interest
  • $6 service charge if requirements are not met ($0 under age 18)

Savings Rate

*Effective as of 6/26/2022

AmountInterest RateAPY*Compounded
Savings ($50 or More)0.08%0.08%Quarterly
Club Savings0.08%0.08%Simple Interest
*Your interest rate and Annual Percentage Yield (APY) may change at our discretion, at any time without notice.

What's a Club Account?

Save for a special occasion by setting aside money and adding to it for a certain period of time.

Use your club account at different times of the year. Prepare for back-to-school expenses in July, get ready for Christmas shopping in October, look forward to Summer fun in March, or plan your escape from the cold in January.

  • Maintain a minimum balance of $5.00
  • You must have another SNBT Checking or Savings account
  • $10 charge if account is closed anytime during the club term
  • See a Banker for Details

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.