Checking
There never seem to be enough hours in the day, but with the right checking account, you will find the time to manage your money, your way.
Take Your Pick
We don't believe in "one size fits all," and neither should you. You deserve a checking account that fits your lifestyle and banking needs.
Simple Rewards
Earn rewards for using your debit card for everyday purchases. It's that simple!
- No minimum balance
- If you miss out on rewards one month, you can get right back to earning rewards the very next month!
Hometown Account
The account you can bank on to make a difference.
- Supports local youth
- Low minimum balance*
- Paper statements at no charge
Carefree Account
Use it like a checking account OR use it as a money market account, all while earning interest on your balance. It’s the best of both worlds!
- Tiered interest rates
- ATM surcharges refunded*
HSA
Stay in control of your healthcare costs.
- Tax-deductible contributions*
- Pay for qualified medical expenses
- Don't need to be self-employed or employed by small employers to qualify.
Compare Your Checking Options
Let us match you with the checking account that fits your lifestyle.
| Simple Rewards | Hometown Account | Carefree Account | |
|---|---|---|---|
| Benefits & Rewards | Earn $5 for using your debit card(1) | Your dependable, everyday account | Receive up to $10 ATM surcharge refunds(3) |
| Ways to Earn Rewards | Make 25 debit card purchases per statement cycle(1) AND be enrolled in eStatements | Your balance helps our community(2) | When you use an ATM not owned by SNBT you will be reimbursed(3) |
| Minimum Balance & Requirements | No Requirements | $500 | $2,500 OR $25,000 combined balance(4) |
| Earns Interest | |||
| Statements | $3 to receive paper statements | No charge for paper statements | $3 to receive paper statements |
| eServices | |||
| Service Charge if Requirements Not Met | None | $15 | $25 and forfeiture of rewards |
| Account Details | Learn MoreAbout Simple Rewards | Learn MoreAbout Hometown Account | Learn MoreAbout Carefree Account |
1 To earn $5.00 reward, you must be enrolled in eStatements and make at least twenty-five (25) qualifying SNBT debit card point of sale (POS) transactions (PIN-based or signature-based) that post and clear the account each statement cycle. A statement cycle begins the first business day of the month and ends on the last business day of the month.
2 SNBT will donate 0.25% of the rolling 12-month average balance in both personal and business Hometown Accounts as of November 30 of each year.
3 Receive up to $10 each statement cycle as reimbursement for ATM fees charged by the owner of the non-SNBT ATM for transactions conducted with your SNBT debit card.
4 Combined Balance - Accounts must be titled in the same Tax Reporting Owner to qualify. Deposit accounts use the Minimum Balance month-to-date, which is the lowest balance during the current calendar month. Loan balances are based on the current balance and any available credit amount on lines of credit as of the last day of the statement cycle.
2 SNBT will donate 0.25% of the rolling 12-month average balance in both personal and business Hometown Accounts as of November 30 of each year.
3 Receive up to $10 each statement cycle as reimbursement for ATM fees charged by the owner of the non-SNBT ATM for transactions conducted with your SNBT debit card.
4 Combined Balance - Accounts must be titled in the same Tax Reporting Owner to qualify. Deposit accounts use the Minimum Balance month-to-date, which is the lowest balance during the current calendar month. Loan balances are based on the current balance and any available credit amount on lines of credit as of the last day of the statement cycle.
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Additional Features
- Overdraft Protection:
- Transfers money from another deposit account into your checking account.
- A small transaction charge is assessed for each overdraft transfer, which costs less than an overdraft charge.
- Overdraft Consideration:
- We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
- An overdraft charge may apply for this discretionary service.
- Available in addition to the overdraft services listed above.
- Learn the details of Overdraft Consideration
- Debit Card Overdraft Consent Service:
- May help you avoid having your transactions automatically declined.
- Applies only to ATM and everyday Debit Card transactions.
- An overdraft charge may apply if this service is used to complete your transaction.
- Learn more about overdraft services here.
- Automated bank-by phone system that gives you account information using a touchtone phone. To access, call 715-735-BANK (2265) or 800-924-9796.
- Many employers offer paycheck deposits into a checking or savings account. Consider taking advantage of this benefit to help with budgeting by earmarking a portion of each paycheck to be deposited into your savings account.
- Keep valuable information and important documents safe.
- Reorder your checks here:
- https://orderpoint.deluxe.com/personal-checks/welcome.htm?execution=e1s1