State Bank of The Lakes - Checking and NOW Accounts

We offer many kinds of personal Checking and NOW Accounts.

Non-interest bearing checking accounts:
• Personal Checking
• Advantage Checking
• StudentWise™ Checking

Interest bearing NOW accounts:

  • Personal NOW Checking
  • Personal Money Market Checking
  • Charter Checking™
  • Platinum Preferred Checking®
  • Rewards Checking

Checking Accounts--Features and Benefits

All checking and NOW accounts offer

• NO ANNUAL FEE VISA debit card
• Free access to SUM and MoneyPass ATMs in the Chicagoland area
• Overdraft protection (subject to credit approval)
• FREE imaged checks with CheckManager Plus®
• FREE On-line Banking and Telephone Banking Services
• FREE Bill Pay
• FREE Quicken and Microsoft Money download capabilities

Personal Checking

• No minimum opening deposit
• There is a minimum daily balance requirement to avoid a monthly service charge1
• No limit to the number of checks that may be written per month
• No charges per check written
• First box of SBOTL Logo checks Free

Advantage Checking

• No minimum opening deposit
• Must maintain a personal savings or money market account
• There is no minimum balance to maintain
• There is no monthly service charge1

• No limit to the number of checks that may be written per month
• No charges per check written

StudentWise™ Checking

• No minimum opening deposit
• There is no minimum balance to maintain
• There is no monthly service charge1
• No limit to the number of checks that may be written per month
• No charges per check written
• First box of SBOTL logo checks free
• Available to full-time students
• More details

NOW Accounts--Features and Benefits

Personal NOW Checking

• An interest-bearing checking account
• No minimum opening deposit
• There is a minimum daily balance requirement to avoid a monthly service charge1
• No limit to the number of checks that may be written per month
• No charges per check written
• First box of SBOTL logo checks free

Personal Money Market Checking

• An interest-bearing checking account
• No minimum opening deposit
• There is a minimum daily balance requirement to avoid a monthly service charge1
• Unlimited in-person teller withdrawals and up to six preauthorized withdrawals and/or checks written each month.

• No charges per check written

Charter Checking™

• An interest-bearing checking account
• No minimum opening deposit
• No minimum daily balance and no monthly service charge1
• Must have $5,000 in a personal account OR real estate loan (home mortgage or home equity loan)
• No limit to the number of checks that may be written per month
• No charges per check written
• First box of SBOTL logo checks free
• More details

Platinum Preferred Checking®

• An interest-bearing checking account
• No minimum opening deposit
• No minimum daily balance and no monthly service charge1
• No limit to the number of checks that may be written per month
• No charges per check written
• Free SBOTL Logo checks for life.
• Available to customers age 55 or older
• Click here for more details about Platinum Adventures

Rewards Checking

  • 4.01% APY on balances up to $25,000
  • 0.75% APY paid on the portion of balances over $25,000
  • Refunds on ATM fees up to $20.00 per statement cycle
  • No minimum daily balance and no monthly service charge1
  • No charges per check written
  • $100 minimum opening deposit
  • More details
     

Easy To Open These Accounts

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers.  Overdraft protection also available.

 

Learn more about protecting your Checking Account
 

Click here for more information.

 

Checkbook Balancing Worksheet

Click here to bring up an interactive reconciliation sheet

 

1Fees, such as overdraft charges, and fees for special services may apply.