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Personal Checking

Experience true convenience and banking simplicity with a personal checking account from Sturgis Bank & Trust Company. All of our accounts provide secure internet banking access and free internet bill payment. You can also use our Visa® Check Card to make purchases anywhere Visa® is accepted. To see which account would be best for you, be sure to review our product grid below or Contact a Customer Service Representative to learn more…

Features  Secure Checking
Oak Value Checking
Oak Senior Checking
Teen
Checking 101
This Account Is
Perfect If:
You are looking for an account earns interest and comes with a variety of special benefits
You are looking for an affordable basic checking account with great standard features and benefits
 You are 62 years of age or older and seeking an affordable basic checking account with great standard features and benefits
You are 15 - 17 years old looking for an affordable basic checking account with great standard features and benefits***
Opening Deposit $50 $100 $100 $50
Minimum Balance
to Avoid Service Fee
None $2,500 with paper statement

$100 with eStatement
$100 None
Monthly Service Fee $5.99 or $5.50 for account receiving eStatements.
Receiving Paper Statement
$7.00 fee imposed if the average balance for the statement cycle falls below $100

$2.00 fee imposed if the average balance for the statement cycle falls below $2,500

Receiving eStatement
$5.00 fee imposed if the average balance for the statement cycle falls below $100
$6.00 fee imposed if the average balance for the statement cycle falls below $100
Free
Interest - Check Rate Yes No
No No
Visa® Check Card* Free Free Free Free
Internet Banking
and BillPay
Free Free Free Free
Telebank Free Free Free Free
Overdraft Protection** Available Available Available Not Available
Overdraft Forgiveness1 Yes No No No
 ATM Reimbursement2
Yes No No No
Direct Deposit Available Available Available Available
eStatements Available Available Available Available
Special Benefits IDProtect®, Cell Phone Protection, AD&D Insurance, Travel & Leisure Discounts, $hopping Rewards™, Debit Advantage™ & Family Health Discounts
     
Learn More...
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1 Overdraft Forgiveness: Coupon for one overdraft reimbursement on accounts opened after 2/1/2017 - upon request
2 ATM Reimbursement: Refund SB&TC & foreign bank fee. Limit 2 transactions per month. Refund within 45 days of transaction, receipt required.
Insurance products are not a deposit; not FDIC insured; not an obligation of the bank; and not guaranteed by bank or any affiliated entity.
* Non-proprietary ATM fees may apply
** Subject to credit approval
*** Must have an 18 years of age or older co-owner of the account

Rates and terms subject to change without notice
Member FDIC Equal Housing Lender
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Important disclosures regarding the new FDIC insurance rules