Basic Checking

Features WOW Rewards Checking Lifetime Checking Basic Checking Gold Premier Money Market
Opening Deposit Requirement $100 $700 $200 $5,000
Monthly Service Fee $0 $10 $0 $10
Minimum balance to avoid service fee $0 $700 $0 $5,000
Earns Interest checkmark checkmark   checkmark
Unlimited Check Writing checkmark checkmark checkmark  
Foreign ATM Surcharge fees returned up to $10 per month      
Online Banking & Bill Pay Free Free Free Free
Free e-statements checkmark checkmark checkmark checkmark
Free Debit Card checkmark checkmark checkmark checkmark
Overdraft Protection Transfer checkmark checkmark checkmark checkmark
Free Cashiers Checks/Money Orders       checkmark
Account Requirements Fifteen (15) signature based debit card transactions and one (1) direct deposit each statement cycle to receive premium interest rate and ATM refunds     Six total withdrawals per statement cycle. A fee of $5 will be assessed for each check in excess of six during the statement cycle. Unlimited over-the-counter withdrawals.
Interest Rate and **APY (Annual Percentage Yield) are variable and subject to minimum balance requirements, tiered rates and subject to change at any time.  Rate sheets are available upon request.  Fees could reduce earnings.  Up to $10 refunded in the statement cycle if the requirements are met.

 

WOW Rewards Checking

A State Bank Group Banking Service The best rewards are those that are easy to earn! With WOW Rewards Checking, get paid a higher interest rate by using your debit card and having a direct deposit! Features: No minimum balance requirement, No monthly maintenance charge, Earn APY* on balances up to $15,000 AND receive up to $10 ATM Refunds nationwide when you have 15 signature based debit card transactions and 1 direct deposit each statement cycle. Unlimited check writing, FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay, MasterCard Debit Card, EZ-Bank 24-hour telephone banking. $100 to open. Fees may reduce earnings. See banker for complete account details.

*To receive stated annual percentage yield and up to $10 in ATM Refunds nationwide, you must meet the following qualifications each monthly statement cycle: 1. Make 15 signature-based (non-PIN) point of sale (POS) purchases that post to your account during the monthly statement cycle with your HSB MasterCard Debit Card, 2. Receive a minimum of one direct deposit to your account during the monthly statement cycle. If you do not meet the qualifications during the monthly statement cycle, your account will still function as a basic checking account with an interest rate on all balances and you will not receive ATM refunds for that statement cycle. Fees could reduce earnings. Qualifying transactions must post and clear to the account during the monthly statement cycle.

Lifetime Checking

A State Bank Group Banking Service Ideal for those who want convenience & interest! Tiered interest rates–the more money you have in your account the more interest you will earn! Features: No monthly maintenance charge,* Unlimited check writing,* FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay ,MasterCard Debit Card, No Fee single-signature traveler’s checks, EZ-Bank 24-hour telephone banking, $700 to open. *If your balance falls below $700 within the monthly statement cycle, the account will be assessed a $10.00 charge plus $.25 per check over 10 for that monthly period. Fees could reduce earnings.

Balance to Maintain APY* Minimum Deposit to Open**
$0.00 to $999.99 $700
$1,000.00 to $9,999.99 $700
$10,000.00 to $24,999.99 $700
$25,000.00 to $74,999.99 $700
$75,000 or more $700

**If your balance falls below $700 within the monthly statement cycle, the account will be assessed a $10.00 charge, plus $.25 per check over 10 for that monthly period. Fees could reduce earnings.

Basic Checking

A State Bank Group Banking Service Convenient and worry-free checking! Features: No minimum balance requirement, No monthly maintenance charge, Unlimited check writing, FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay. MasterCard Debit Card, EZ-Bank 24-hour telephone banking, $200 to open.

Gold Premier Money Market

A State Bank Group Banking Service Every check order is FREE, FREE Online Banking & Bill Pay, e-Statements, MasterCard Debit Card, EZ-Bank 24-Hour Telephone Banking, Free single party travelers checks, and Free money orders, bank checks and cashiers checks.

Balance to Maintain APY* Minimum Deposit for Open**
Up to $4,999.99 $5,000
$5,000.00 to $24,999.99 $5,000
$25,000.00 to $49,999.99 $5,000
$50,000.00 to $99,999.99 $5,000
$100,000.00 to $174,999.99 $5,000
$175,000 or more $5,000

*Annual Percentage Yield

***If the balance falls below $5,000 during the monthly cycle an $10.00 service charge will be assessed to your account.

Lost or Stolen MasterCard Debit Card: 800-554-8969

Bill Pay Customer Support Line: 855-723-2228

 

Safe Banking Tips

Never give out the following information in an email:

  • First name, last name, business name
  • Email and password combination

  • Credit card, bank account, and PIN
  • Social security and driver's license number

Do not download attachments, software updates, or any application to your computer via a link you received in an email. The State Bank Group will not ask you to download anything for your account to work.

LEARN MORE! SEE HOW TO PROTECT YOUR ACCOUNT WITH THE STATE BANK GROUP