FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

  • Learn
  • Benefits & Rewards

    • Unlimited withdrawals or transfers
    • Earns interest
    • Earn even more when you have a loan relationship at SNBT*
    • Use with a checking account for Overdraft Protection

    Minimum Balance & Requirements

    • Minimum opening deposit of $250 ($25 if under age 18)
    • Minimum balance of $50 required to earn interest
    • $6 service charge if requirements are not met ($0 under age 18) 

    *Accounts & Loans must be titled in the same Tax Reporting Owner to qualify.

    Additional Features

    • Overdraft Protection:
      • Transfers money from another deposit account into your checking account.
      • A small transaction charge is assessed for each overdraft transfer, which costs less than an overdraft charge.
    • Overdraft Consideration:
      • We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
      • An overdraft charge may apply for this discretionary service.
      • Available in addition to the overdraft services listed above.
      • Learn the details of Overdraft Consideration
    • Debit Card Overdraft Consent Service:
      • May help you avoid having your transactions automatically declined.
      • Applies only to ATM and everyday Debit Card transactions.
      • An overdraft charge may apply if this service is used to complete your transaction.
    • Learn more about overdraft services here.
    • Automated bank-by phone system that gives you account information using a touchtone phone. To access, call 715-735-BANK (2265) or 800-924-9796.
    • Many employers offer paycheck deposits into a checking or savings account. Consider taking advantage of this benefit to help with budgeting by earmarking a portion of each paycheck to be deposited into your savings account.
    • Keep valuable information and important documents safe.