Checking Account options
SBT ATM/Debit Card
The SBT ATM/Debit Card is a safe and convenient way to access your checking account at ATM locations and is also accepted at any business worldwide where VISA cards can be used. It allows you to deduct purchases from your SBT checking account without the hassle of writing a check. Better yet, the card is safer than cash!
Plus, ATM/debit card holders will never pay ATM transaction fees at any terminal in the Priveleged Status network. For a listing of Privileged Status ATMs, contact your local SBT office or click here and scroll to the bottom of the page to find the location of a Privileged Status ATM near you.
If you’re going on a trip, it’s IMPORTANT that you inform your financial institution(s) about the following information so they are aware of your location and don’t mistake any transactions for fraudulent activity:
- Where are you going? Specific locations are requested, such as states and/or countries you will be traveling to.
- When are you leaving and when will you return?
- Should you temporarily raise your limit for cash withdrawals and point of sale transactions on your debit card? Check your dollar limits because they may be lower than you think.
- What is your cell phone number or a number you can be reached at? This will only be used in case we have any questions or suspicion of fraudulent activity.
- Call SBT if you have any issues while you’re traveling. We can be reached toll free at (800) 367-5500 or locally at (319) 352-6000.
BankEasy Online...now offering e-statements!
All SBT customers can view their account activity from our homepage with BankEasy Online...now more secure than ever! You can view cleared transactions, view e-statements, transfer funds between accounts, pay bills, re-order checks, and more through BankEasy Online.
To view a demo of BankEasy Online, click here!
To view a demo of BankEasy Bill Pay, click here!
BankEasy Online is now more secure than ever! Click here to view a demo of our Enhanced Online Security.
BankEasy By Phone
SBT account customers also can check balances and cleared transactions, transfer funds, check rates, and confirm deposits or withdrawals by phone at (319) 352-5500, or toll-free at (888) 367-5500.
Safety Check Overdraft Protection
Customers who qualify may receive a Safety Check Overdraft Protection line of credit. If a customer is approved, an unsecured line of credit will be available to cover checks or other withdrawals on the checking account, preventing the account from becoming overdrawn.
When a check or other withdrawal is applied to an account which would result in an overdraft, a loan is automatically deposited in your account in increments of $100.00 to prevent the overdraft. Any time a Safety Check advance is credited to an account, a notice is sent to the customer informing him/her of the amount of the advance. Once the advance has been created, payments must be made to pay it off. It will not be paid automatically when the next deposit is made. If no other payments are made, a minimum payment of $15.00 or 5 percent of your loan balance will be taken out of your account automatically 14 days after your statement cycle ends for the month (payment amount applied first to accrued interest with balance of payment applied to loan principal balance).
An annual fee of $15 is charged on April 1 for this service.
Free Deluxe® personalized checks
All Free and Interest Checking customers will receive 50 free personalized Deluxe® checks when they open an SBT checking account. Heritage Club members will receive up to two boxes of Deluxe® “Specialty Gray” checks free per year. If Heritage Checking customers wish to order another check style, they will receive a $3.00 per box discount.
Health Savings Accounts (HSAs)
Health Savings Accounts are now available at State Bank & Trust Company! We offer debit cards and specially designed HSA check packages. Eligible individuals can carry over their HSA balances from year-to-year, pay qualified medical expenses with pretax dollars, and earnings grow tax deferred. For more infomation, click here, call or stop in at any of our six great locations.
BankEasy Archive
Checking account customers may receive all their account statements and imaged checks on CD-ROM for easy searching, storage and printing. BankEasy Archive CDs are available for $3.00 per month, $5.00 per quarter or semi-annual, and $10.00 per year.
No Transaction Fees at any Privileged Status ATM
State Bank & Trust Company customers will never pay ATM transaction fees at any ATM in the Privileged Status network across the Midwest. For a listing of Privileged Status ATMs, contact your local SBT office or click here and scroll to the bottom of the page to find the location of a Privileged Status ATM near you.