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.

 
Economy Checking
Interest Checking
Ultimate Interest Checking
Health Savings Account

Best if you want:

A basic checking account for everyday banking needs.
An interest bearing account with unlimited transaction capabilities.
To earn a great rate when minimum requirements are met each month.
To save for health care expenses, with the added benefit of excellent tax savings and reduced health care costs
Minimum opening balance
$25.00
Minimum balance required to avoid fees
$2,500 minimum daily balance or $5,000 minimum daily balance in total deposits
$500 minimum daily balance.
Fee if minimum requirements not met
$11.95 monthly fee and $.30 per debit
$5.00 monthly fee if eStatement requirement is not met
$5.00 monthly fee
Other Fees (maintaining minimum balance does not waive Other Fees)
$5.00 monthly fee assessed to accounts without eStatement
$50 external transfer
Earns Interest
Yes
Yes, ultimate interest rate is paid on balances $25,000 or less. Lower rate of interest paid on balances above $25,000 or when requirements are not met
Yes, tired interest rate
ATM/Debit Access
Visa debit card
Visa debit card
Visa debit card
Visa debit card
Other requirements/restrictions



Must meet the following each statement cycle:

Have at least 16 completed debit card signature purchase transactions


Receive a monthly eStatement


log onto eBank! at least once


Additional benefits

eBANK!

eMobile

BillPay

Telebank 24

eStatement available

eBANK!

eMobile

BillPay

Telebank 24

eStatement available

eMobile

BillPay

Telebank 24

eBANK!

BillPay

TeleBank 24

eStatement available

Unlimited transactions

Internal transfers available through eBANK!

Checks available at a charge

 

Need to order checks?

Click here to see our current interest rates

Opening new accounts? Switching is easy


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 or Driver’s License receipt*
  • Valid Wisconsin State ID over 60 days old or Wisconsin State ID receipt*. Out of State ID is not accepted
  • Valid Military Identification –record issue date, place and expiration
  • Valid Passport –record issue date, place and expiration 

*Receipts are valid for 45 days from date of issuance.


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 –record issue date, place and expiration
  • Wisconsin School ID Card – with picture & signature–record issue date, place and expiration
  • Any government issued ID containing photo, signature, issue and expiration date.
  • Social Security card
  • Major Credit or Debit Card-document issuer and expiration date

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