SBT Rewards Checking

• Earn 0.60% APY* on balances up to $15,000
• Earn 0.10% APY* on balances over $15,000
• Earn 0.05% APY* each month qualifications aren't met
• No monthly fees
• No minimum balance to earn rewards
• Free ATM fee refunds (up to $20)**
• Unlimited check writing
• Free SBT Debit MasterCard®
• Free 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

Qualifications

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

Chances are, you're meeting the qualifications without even knowing it! Each monthly qualification cycle you'll need to meet the following qualifications:

• Have at least 10 debit card purchases post and clear
• Have at least 1 automatic payment or direct deposit post and clear
• Receive eStatements

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.

_{*Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of 12/19/12.}

_{Rate tiers are as follows: 0.60% APY applies to balances of $0.01 - $15,000 and 0.10% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.60% APY - 0.10% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Available to personal accounts only. One account per household. We reserve the sole discretionary right to refuse to open an account or close an existing account for any reason. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions.}

_{**ATM Fee reimbursements (include a combination of both SBT's and other banks' fees for using another bank's ATM) up to $20 provided only if qualifications are met within the monthly qualification cycle.}

Reorder Checks