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SBT Rewards Checking

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SBT Rewards Checking

Remember when the Tooth Fairy used to sneak in and leave you money? Well, this account gives you money without any tooth-pulling at all! You can earn an incredible 0.60% APY* on your checking balance each monthly qualification cycle with no monthly fees or minimum balance to earn rewards!

That's not all. We'll also refund ATM fees* when you use non-SBT ATMs — not just in the Suburban Chicagoland area, not just in Illinois, but nationwide! In fact, this account comes with so many free gifts you might start to think of us as Santa Claus!

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  • Earn 0.60% APY* on balances up to $15,000
  • Earn 0.60% – 0.17% APY on balances over $15,000 depending on balance in account*
  • Earn 0.05% APY* each month qualifications aren't met
  • No monthly service fee
  • No minimum balance to earn rewards
  • Nationwide ATM fee refunds (up to $10)*
  • Unlimited check writing
  • Free SBT Debit MasterCard®
  • Free SBT Online Banking with Bill Pay
  • Free eStatements
  • Free check images
  • Free telephone banking
  • Direct deposit available
  • Overdraft protection available
  • FDIC insured up to $250,000
  • $100 minimum deposit to open


Earning the rewards rate and ATM fee refunds each month is simple.

To earn these rewards, simply do the following during the monthly qualification cycle:

  • Have at least 10 debit card purchases that post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and review eStatement notice

See? You're a natural!

And if for some reason you don't qualify one month, you still get our base rate of interest and unlimited free checking. And you can get the rewards back the very next month.

*APY=Annual Percentage Yield. APYs accurate as of 6/17/2013. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 0.60%; and (3) balances over $15,000 earn 0.10% interest rate on portion of balance over $15,000, resulting in 0.60% - 0.17% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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