Personal Checking accounts are free if you'll accept monthly statements without check images! If you need check images included in your monthly statement, maintain a monthly balance over $500 and get your account free! We charge $7 for statements with check images each month your account balance falls below $500.[fee table]

State Bank gives new Personal Checking account customers their first box of checks free of charge!

SENIOR CITIZENS CHECKING

Checking accounts for our customers 62 years of age and better are free! If you need check images returned with your monthly statements, just ask! [fee table]

NOW ACCOUNT

This account offers a variable interest rate on your deposit funds. If you maintain a balance above $1,000 during a statement cycle, you will incur no monthly service fee. Interest is forfeited on days your balance falls below $1,000. [fee table]

BUSINESS CHECKING

We offer business checking with no monthly fees and no transaction fees! You also have access to our overnight depository at no charge. [fee table]

BUSINESS NOW CHECKING

Qualifying businesses can earn interest in their checking account funds if they maintain a balance of $1,000 or more. Once again, there is no monthly fee and no transaction fees! You also have access to our overnight depository at no charge. [fee table]

OVERDRAFT PROTECTION

Transfer From Savings...Complete a simple short form instructing us to transfer money from your savings account into your checking account in the amount of your overdraft plus $10, regardless of how many checks are involved. There is a fee of $5 each day this service is used, but $5 sure beats an overdraft fee for each check. The only catch is, you have to make sure there is money in your savings account for this plan to work.

Additional Information

Minimum balances, fees that may apply for overdrafts, insufficient funds, stop payments, etc. [fee table]

Add-On's

• Instant Cash Debit Cards

• Instant Cash ATM Cards

• Overdraft Protection

• Ready Reserve

• Direct Deposit

• Statement with Check Images

• 1 ATM located in Park Rapids

• Extended Hours in our Drive-Up

• Safe Deposit Boxes