Personal Checking

Today, everyone is looking for convenient and flexible ways to handle their money. At State Bank of Cross Plains, we understand that different lifestyles have different needs, which is why we have checking account options for everyone, no matter where they are in life.

 
Bonus Checking 

( for students )

Direct Checking
Custom Rewards Checking
Prestige Checking

Best if you want:

A highly convenient account you can take with you to school
A convenient checking account for everyday banking needs
A debit rewards program with unlimited transaction capabilities
To earn a great rate when minimum requirements3 are met each month
Minimum opening balance
None
None
None
None
Refund of our fee on non-proprietary ATM transactions2
Free personalized VISA Debit Card
Installment Loan Benefits may be available
Monthly Maintenance Fee
N/A
$5

No fee for seniors age 62 or above

$10
$15
Minimum requirements to waive Monthly Maintenance Fee
N/A
None
4 or more qualifying servicesor $20,000 combined deposit account balances.5
5 or more qualifying servicesor $50,000 combined deposit account balances.5
Earns Interest




3

Additional Benefits 


Courtesy Checks at account opening 
Courtesy Checks at account opening 


Retirement Readiness Review

Free money orders & cashier's checks

 

Features Available for all accounts:

Mobile Banking | Mobile Deposit | Free Online Banking | Free e Statement | Online BillPay | My $ (Personal Financial Manager) | Unlimited check writing | Overdraft protection available, fees may apply


Paper Statements are available on all the above checking products for a $3 fee.

Qualifying Services 4 :

Choosing 4 or 5 qualifying services means 4 or 5 different services noted below. For example: 3 Certificates of Deposit = one qualifying service. 

  • Savings
  • VISA Debit Card
  • Direct Deposit 6
  • eStatement
  • Business Checking 7
  • Certificates of Deposit
  • Installment loan
  • Home Loan8
  • Home Equity Loan
  • VISA Credit Card
  • Premium Plus Money Market Account
  • Investments with Financial Advisory or Wealth Management

Combined Deposit Account Balances 5 :

  • Savings
  • Premium Plus Money Market Account
  • Certificates of Deposit
  • IRAs

1 For students through age 24. You must convert to another checking account by age 25.
2 Other financial institutions may still apply a surcharge fee
3 Interest rate is tiered. To qualify for the higher interest rate on balances $20,000 or less, you must: receive a monthly eStatement, complete at least 16 debit card purchase transactions (excluding ATM transactions), and log onto the account through personal Mobile Banking or personal Online Banking each statement cycle. Balances over $20,000 and accounts not meeting the requirements will earn a lower rate of interest. Limit of one Prestige Checking account per individual.
4 Qualifying Services are determined based on the primary taxpayer identification number assigned to the Custom Rewards Checking or Prestige Checking and include any services listed under Qualifying Services where the person is considered an account owner. The number of services are calculated as of the last business day of the previous calendar month. Credit for a Business Checking account is limited to the business owner(s). If adding a VISA Credit Card, Business Checking or Investments after opening a Custom Rewards Checking or Prestige Checking, please notify your personal banker to have your checking account reflect the additional services.
5 Combined Deposit Account Balances are calculated based on the primary taxpayer identification number assigned to the Custom Rewards Checking or Prestige Checking and includes the balance in this account along with the balances of any accounts listed under combined Deposit Account Balances where the person is considered an account owner.
6 Direct Deposit must be made to the Custom Rewards Checking or Prestige Checking in order to count as a service for the account.
7 Business Checking will count as a Qualifying Service for the owners of a Sole Proprietor, Limited Liability Corporation, or a Partnership.
8 Serviced by the State Bank of Cross Plains.

Click here for a complete look at our Account Fees & Options

NEED TO ORDER CHECKS?

Click here to see our current interest rates



Opening New Accounts? Switching is Easy!

Switch Kit

When opening an account, two forms of identification are needed for all new account holders. One form should contain a picture and signature with expiration date.

Acceptable identification for the first form:

  • Valid Driver’s License
  • Valid Wisconsin State ID 
  • Valid Military Identification
  • Valid Passport 

The second form should either be one of the above or any of the following: 

  • Alien Registration Card – must have picture & signature
  • Employment Identification Card – must have picture & signature
  • Wisconsin School ID Card – with picture & signature
  • Any government issued ID containing photo, signature, issue and expiration date.
  • Social Security card
  • Major Credit or Debit Card

Also, if you are not in the phone book please provide a current utility or other bill to verify your current address.