• An interest-bearing checking account
• No minimum deposit to open
• 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.
• Available to customers age 50 or older

•  1.51% APY on balances up to and including $15,000.00
• 0.15% APY paid on the portion of balances equal to or greater than $15,000.01
• 0.03% APY paid your entire balance even if monthly qualification cycle requirements are not met.
• Refunds on ATM fees up to $20.00 per statement cycle
• No minimum daily balance and no monthly service charge^*
• No charges per check written
• $500.00 minimum deposit to open

^{*1.51% Annual Percentage Yield (APY) is paid on balances between one penny and $15,000 when the minimum monthly qualifications are met.  Additionally, 0.15% APY is paid on all balances equal to or greater than $15,000.01 each statement cycle.  If you do not meet the minimum monthly requirements per statement cycle, your account will still function as a free checking account earning 0.03% APY; however you will not receive ATM refunds for that time period.  APY's are accurate as of 8/6/2012.  Rates may change after the account is opened.  Fees may reduce earnings.  Qualifying transactions must post and clear the account during the monthly qualification cycle.  Transactions may take one or more business days from the transaction date to post to the account from the day the transaction is made.  A minimum deposit of $500 is required to open the account.  No monthly minimum service charge.  Personal accounts only.  Overdraft fees and charges for other services may apply.  The bank does not charge its customers a monthly card usage fee.  No transaction charge at any ATM in the Money Pass or Sum surcharge-free networks.  Other banks outside the network may impose ATM surcharges at their machines.  Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed up to $20.00 per statement cycle if requirements are met.  Reimbursement does not include the 1% International Service fee charged by MasterCard in certain foreign transactions conducted outside the continental United States.}

• An interest-bearing checking account that pays interest on tiered balances
• No minimum deposit to open
• 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

• No minimum deposit to open
• 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
   

Receive a lifetime of banking privileges with our Charter Checking Account.  This interest-bearing account rewards you for your banking relationship with us.  You qualify if you have $5000 in a personal State Bank of the Lakes account OR real estate loan (home mortgage or home equity loan) with us.

With our Charter Checking Account™ you receive these lifetime benefits:

• FREE interest-bearing checking account with no minimum
  opening deposit, no minimum monthly balance requirement, no
  monthly service charge¹ and same day posting of all deposits.
• Your first box of State Bank of the Lakes logo checks is FREE
  and subsequent reorders are available at a reduced cost (or
  receive 50% off your first box of designer checks).
• Receive an extra .125% on our current fixed-rate certificates
  of deposit APY.
• FREE cashier's checks and money orders.
• NO ANNUAL FEE MasterCard debit card (subject to credit approval)
• Overdraft protection (subject to credit approval)
• $15 off our posted safe deposit box rental fee when you have
  your payment automatically debited from your account
• FREE imaged checks with CheckManager Plus®
• FREE Online Banking and Telephone Banking Services
• FREE Bill Pay
• FREE Quicken and Microsoft Money download capabilities

¹Fees, such as overdraft charges, and fees for special services may apply.
²The Annual Percentage Yield (APY) is calculated on simple interest rates with interest
compounded and paid monthly and assumes interest remains on deposit until maturity.
Rates subject to change without notice.  Substantial penalty may be charged for early
withdrawal.  Penalty may reduce earnings.  To obtain the APY, must open a CD with
minimum of $1,000 not currently on deposit with SBOTL
³Pending application approval foreign transaction fees may apply.

We designed an account to help young adults handle their finances and provide peace of mind to parents. We call it our StudentWise™ Checking Account.  It offers everything your full-time high school or college student needs for financial security, including a checking account and MasterCard debit card.

Features and Benefits

• FREE Checking Account with no minimum balance and no monthly fee¹
• NO ANNUAL FEE MasterCard debit card²
• Free access to SUM and MoneyPass ATMs in the Chicagoland area
• FREE imaged checks with CheckManager Plus®
• FREE Online Banking and our 24/7 Telephone Banking System
• FREE Bill Pay
• FREE Quicken and Microsoft Money download capabilities

Our Junior Savers Club Account™ teaches children and young adults under 18 the rewards of saving while making banking FUN!

In addition to learning one of life's most valuable lessons, Junior Savers will receive:

• A personalized passbook with identification as a Junior Savers Club member
• All regular account service charges are waived and there is no minimum opening deposit for Junior Savers
• Your choice of a special gift when you open a new Junior Savers account
• Free gift from our Treasure Chest each time you make a deposit to your Junior Savers account
• Our exclusive "Treats Dollar" gift certificate each time you make a deposit of $100 or more. Certificates may be redeemed at local participating merchants.
• Parents receive an extra .25% over our current fixed-rates if they open a fixed-rate CD the same day¹
• And lots of other great goodies and fun activities for Junior Savers. You’ll be sent frequent invites to fun Junior Savers Club events and contests.

Teaching kids how to save. It's all part of our commitment to bring traditional community banking back to the community.

• Minimum initial deposit must be in increments of $5.00, $10.00 or $20.00 
• No monthly service charge
• Interest is compounded and paid quarterly
• You receive a personalized passbook where all of your deposits are recorded.
• Withdrawals before maturity are not permitted
• Account balance will be disbursed by check at the end of the third quarter each year
• FREE Online Banking and Telephone Banking Services

• No minimum opening deposit
• No monthly service charge if minimum daily balance of $100 is maintained¹
• Interest is compounded and paid monthly
• Statements sent quarterly, or monthly when conveniently combined with your monthly checking statement.
• Make up to six transfers per month to your checking account with Telephone Banking Service or Online Banking
• No limit to number of withdrawals made in person or at ATMs
• FREE Online Banking and Telephone Banking Services
• Check out our Savings Deposit Rates

¹  A $3.00 fee will be imposed every statement cycle if the daily balance in the account falls below $100 any day of the statement cycle .

• Minimum Deposit to open is $10,000.
• Competitive interest rate
• Interest is compounded and paid monthly
• You receive a personalized passbook where all of your transactions are recorded.
• Make up to two in-person withdrawals per month
• Unlimited deposits
• FREE Online Banking and Telephone Banking Services

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

From time to time we offer special fixed rate certificates of deposits with higher minimum balances for other monthly terms.