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
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Free personalized VISA Debit Card
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Overdraft Privilege available, fees may apply9
$200
$700
$1,000
$1,500
Installment Loan benefits may be available
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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


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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


Paper Statements are available on all of the above checking products for a $3 fee. No $3 fee for seniors age 62 or above. Statements with images are $5 for all customers.

Qualifying Services 4 :

Choosing 4 or 5 qualifying services means 4 or 5 different services noted below. For example: 3 Certificates of Deposit = 1 qualifying service. 

  • Personal and Junior Savings
  • VISA Debit Card
  • Direct Deposit 6
  • eStatement
  • Business Checking 7
  • Certificates of Deposit
  • Installment loan
  • Home Loan 8
  • Home Equity Loan
  • VISA Credit Card
  • Premium Plus Money Market Account
  • Investments with Financial Advisory or Wealth Management

Combined Deposit Account Balances 5 :

  • Personal and Junior 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 on to the account through personal Mobile Banking or personal Online Banking each statement cycle. Balances above $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. Account balances are determined using the previous calendar month end average balance and the account must be open on the last business day of the month to be included.
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.
9 This is not a line of credit. An overdraft fee of $35 per item applies. There is no limit to the number of overdraft fees we may assess per day. An overdraft fee of $25 for a continued negative balance will be assessed on the 10th and 15th business days. An overdraft fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Any overdrawn balance, including fees, is due and payable upon demand and should be paid no later than 30 days after the overdraft occurred. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. For more information refer to the Overdraft Privilege Policy section within the Account Fees & Options link.


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

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