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Checking Accounts

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!
  • 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!
  • 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!
  • 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
  • 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
  • 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!
  • Competitive rate of interest paid when you meet a required minimum balance
  • 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
  • Check images returned to you monthly
  • FDIC Insured

*$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.