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Personal Checking Accounts

Which checking account is right for you?
Enjoy the convenience of a Savings Bank Debit MasterCard® with each account.

Checking Accounts Designed for You Opening Deposit Maintenance Fees* How To Avoid Maintenance Fees

Go Green! Checking

…if you choose to go green with E-Statements, Online Banking, BillPay and SBMC Classic Debit Card® $100 $9 $6 waived for 10 purchase transactions made with your debit card.

$3 waived if enrolled in E-Statements.

WorryFree Checking

…if you choose to use convenient services such as Direct Deposit or Automatic Transfer.

$100 $9

$6 waived for maintaining one of the following:

  • Direct Deposit
  • Monthly automatic transfer of $25 or more to your SBMC Savings account
  • Automatic payment to your SBMC loan
  • Monthly automatic transfer of interest from your SBMC CD into your account

$3 waived if enrolled in E-Statements

Regular Checking

…if you choose to maintain a minimum or average daily balance in your account.
$100 $9 $6 waived for maintaining $600 minimum daily balance or $1,200 average daily balance.

$3 waived if enrolled in E-Statements.

Check & Save

...if you want to earn interest on your balance while having the flexibility of a checking account. Variable tiered interest rates.
See our Current Rates.
$100 $12 $9 waived for maintaining $3,000 minimum daily balance or $6,000 average daily balance.

$3 waived if enrolled in E-Statements.

Senior Checking

...if you are at least 62 years or older. Free wallet style Specialty Blue checks are available. $100 No Fee No Fee

Student Checking

...if you are a high school or college student, at least 16 years old. $100 None for the first year No fee for 1 full year. Thereafter, see Go Green! Checking requirements.

EconAccount

...if you write only a few checks each month. $100 $3 monthly AND 40¢ per-debit in excess of 5 None

(HSA) Health Savings Account Checking

...if you want a tax-favored savings arrangement for individuals covered by HDHPs. Rules regarding HSAs are complex. Consult your competent tax advisor and your insurance agent on your eligibility. Variable tiered interest rates.
See our Current Rates.

$100 $3 monthly Maintain $2,500 minimum daily balance

*Maintenance Fees are assessed each statement cycle.