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Checking
Checking :: Savings :: Loans :: CDs & IRAs :: Services

Lifetime Club Checking Account
Never pay for a box of checks again with Lifetime Club Checking, and receive many other great benefits. It takes just $100 to open this account, and there are no additional minimum balances required. For one low monthly charge, you'll enjoy all of the benefits of State Bank's most popular, premier checking account:

Free personalized club checks
Unlimited check writing and no per-check charges
Check images returned monthly
No minimum balance requirements
$10,000 Accidental Death & Dismemberment Insurance
State Bank Check Card -- it's an ATM card and a debit card all in one!
Overdraft Privilege* up to $500 could be available -- see details below!
24 hour telephone banking with Money Master 24
Interest-bearing on required minimum balances
Bonus Rate CD coupon
Half-price safe deposit box rental for one year
FDIC Insured
So much more – ask about one today!

Lifetime 50 Club Checking Account
If you're 50 or better, you'll enjoy all the benefits of the Lifetime Club Checking Account for one VERY low monthly charge and no minimum balance requirements. See also DC Club Checking below.

Regular Checking Account
When you maintain a $500 minimum daily collected balance with our Regular Checking Account, you'll have unlimited check writing and absolutely no monthly service charges! With just a $100 minimum opening deposit, you'll enjoy:

State Bank Check Card -- it's an ATM card and a debit card all in one!
Unlimited check writing (no per-check charges with $500 daily collected balance)
Check images returned to you monthly
Overdraft Privilege* up to $400 could be available -- see details below!
24 hour telephone banking with Money Master 24
FDIC Insured

Free Checking Account
This is perfect for anyone who doesn't need canceled image checks returned, and who enjoys the convenience that a State Bank Check Card offers. As the name implies, there are absolutely no monthly service charges with Free Checking. With a $100 minimum opening deposit, you'll enjoy:

No service charges
No minimum balance requirements
Unlimited check writing
No per-check charges
State Bank Check Card -- it's an ATM card and a debit card all in one!
24 hour telephone banking with Money Master 24
FDIC Insured
Great Value - Ask an employee about receiving images of your cancelled checks with your monthly statements for $1 per month.

Note: To maintain a FREE checking account, personalized checks must be purchased through State Bank. These checks are specially priced for Free Checking customers.

Distinguished Citizens Club Checking Account
This account is packed with benefits for our customers age 50 or better, and there are absolutely no monthly service charges when a minimum opening deposit of $100 is maintained. Professionally-planned trips and activities, along with a host of other features truly "distinguishes" this account from the competition!

Open to anyone age 50 or better
Just $100 to open
Unlimited check writing and no per-check charges
Interest-bearing on required minimum balances
No monthly service charges with just $100 daily minimum balance
Check images returned monthly
State Bank Check Card -- it's an ATM card and a debit card all in one
24 hour telephone banking with Money Master 24
Half-price safe deposit box rental for one year
No-fee travelers checks, cashiers check, money orders and photo copies (up to five of each per month!)
Discounted travel money cards--where available
Overdraft Privilege* up to $500 could be available -- see details below!
Professionally planned trips and activities
FDIC Insured

Student's Choice Checking Account
Developed exclusively for students under the age of 21, this account requires just $25 to open, and is free of monthly service charges. It's great for students because:

No monthly service charges
No minimum balance requirements
Unlimited check writing and no per check charges
ATM card available
24-hour telephone banking with Money Master 24
Specially priced checks available
FREE customized Student's Choice checkbook cover
FDIC Insured
State Bank Check Card-it's an ATM card and a debit card all in one! (Available for students 18 years and older)

Now/Super Now Checking Account
Enjoy all of the conveniences of our other checking accounts, while earning a competitive rate of interest on required minimum balances. It takes $1,000 to open this type of account, and begin enjoying:

Interest paid monthly on required minimum balances
Unlimited check writing
Check images returned to you monthly
State Bank Check Card -- it's an ATM card and a debit card all in one
Overdraft Privilege* up to $400 could be available -- see details below!
24-hour telephone banking with Money Master 24
Did we mention a competitive rate of interest on required minimum balances???
FDIC Insured

Money Market Account
With a State Bank Money Market account, you'll earn an even higher rate of interest on required minimum balances, while still enjoying access to your funds! When you open a Money Market account with a minimum of $1,000, you'll enjoy the benefits of:

Competitive interest paid on required minimum balances
Up to six withdrawals per statement cycle -- three of which can be by check
24-hour telephone banking with Money Master 24
Check images returned to you monthly
FDIC Insured

Overdraft Privilege Program*
Have you ever made a mistake or been caught a little short in your checking account? Now, State Bank may be able to help with their discretionary Overdraft Privilege Program. Overdraft Privilege could provide up to $500 in overdrafts, and may result in:

Fewer charges from retailers for insufficient checks
Additional convenience and flexibility in managing your funds
Less aggravation and embarrassment when you make a mistake or write a check for more than you have in your checking account

Of course, some restrictions do apply. Stop by your nearest State Bank location for more details and pick up an Overdraft Privilege policy for a full description of this convenient service we offer!

Click Here to learn more about the FDIC's Money Smart Adult Financial Education Program. This money management program addresses saving, budgeting, credit and more!

Check Imaging
State Bank has the key to organization with check imaging! With check imaging, we utilize state-of-the-art technology to digitally photocopy the front and back of all your checks and deposits. We then store all these images on CD-ROM's for fast retrieval at your request. Each month, these images will be returned to you, in check number order, printed with the utmost clarity and quality. Here are some more exciting features of check imaging:

Clear & crisp images of checks and deposits
All pertinent information such as check number, date and amount are all printed clearly below each check image
Each check is sorted in check number order for faster reconciliation
CD-ROM's store your images for easy access, meaning our customer service team can access them quickly and mail, fax or securely e-mail them
Check images have been approved as an acceptable proof of payment by both the Internal Revenue Service as well as courts of law
Plus, many more!

Stop by your nearest State Bank location for more details about check imaging and for a full description of this convenient service.

*$25 fee for all overdraft and return check charges except one time point-of-sale transactions and automated teller machine (ATM) withdrawals. Any and all overdrafts including overdraft charges and returned check charges are payable and due upon demand. Categories of transaction which may be presented for payment and be imposed a fee are transactions created by check, in-person withdrawals or certain electronic means. Whether the overdraft is paid is discretionary and we reserve the right not to pay an item. We typically do not pay overdrafts if your account is not in good standing and you are not making regular deposits to your account. You must bring your account to a positive balance (not overdrawn) at least once every thirty (30) days. If your account has the Overdraft Privilege Program available, you will have a maximum of $100.00 per day in Overdraft Charges at State Bank of Missouri and The State Bank. If your account has the Overdraft Privilege Program available, you will have a maximum of $150.00 per day in Overdraft Charges at Chillicothe State Bank.