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Premium e-Checking Life comes at you fast……we want to make it easier! We combined a premium interest rate with the conveniences of electronic banking to maximize your time and money... and it’s Free!
Plus, we will refund all ATM fees Nationwide each qualification cycle that you meet the easy requirements (excludes international ATM fees)! * Receiving your monthly bank statements online is a requirement for this account. If you elect to receive paper statements, we may convert your account to a Personal N.O.W. Checking, subject to applicable balance and fee requirements. Click on our Rate Sheet for current rates and tiers. Prestige Checking Interest checking for our customers 55 or better………you’ve earned it!
Click on our Rate Sheet for current rates and tiers. Personal N.O.W. Checking Interest checking regardless of your age……… you’ve earned it!
Click on our Rate Sheet for current rates and tiers. Personal Checking A cost-effective account designed for limited check writing needs.
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Eco-Checking It’s economical (it’s Free!) and ecological, by offering electronic banking solutions that positively impact our environment! Think Green!
* Receiving your monthly bank statements online exclusively is a requirement for this account. If you elect to receive paper statements, we may convert your account to a Personal Checking, subject to applicable balance and fee requirements. ************************************************ Plus The following services are offered on all of our personal checking accounts:
************************************************ Advantage Checking Enjoy
unlimited check writing with
valuable
“extras”, now including
LifeLock©!
No worries about balance or transaction limitations. With a
“flat” service charge, you know what your fee will be from month
to month.
SafeGuard Plans Add value to any consumer
checking or savings account you have with us, by adding
one of the following plans to your account (available for sole
proprietorships). Security benefits on a budget!
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Important Information regarding our
Interest-bearing Checking Accounts
(Premium e-Checking, Prestige Checking, and Personal N.O.W. Checking)
Rate Information
- At our discretion the interest rate for these accounts may change
without notice. Please see our Rate Sheet for current interest rates and
annual percentage yields. Rates are set by the SNBT Rate Committee.
Compounding Frequency
– Interest will be compounded monthly.
Crediting Frequency
– Interest will be credited into the account monthly.
Effect of Closing the Account––
If the account closes before interest is paid you will not receive the
accrued interest.
If your account goes to a zero balance, the account may automatically
close.
Accrual of Interest on Non-cash Deposits
– Non-cash deposits will begin to accrue interest on the business day
credit is received on the deposit.
Balance Computation Method to Earn Interest
– We utilize the minimum average daily collected balance to determine
whether interest is to be paid, and at what tier when applicable.
Interest Calculation
– Interest is calculated by the average daily balance method which
applies a periodic rate to the average daily collected balance in the
account for the period. The average daily collected balance is
calculated by adding the collected balance in the account for each day
of the period and dividing that figure by the number of days in the
period. The period we use to make this calculation is monthly.
Deposit limitations
– You may make an unlimited number of deposits into these accounts.
Additional Information for Premium e-Checking
Qualifications
– All required transactions must be received and posted to your account
by the evening of the last bank business day prior to the qualification
cycle cutoff (3rd Tuesday each month) to be included in that
cycle’s transactions.
Qualification cycle
- Each
qualification cycle runs from the last statement cycle date to the
business day prior to the current statement cycle date.
Statement
date
- All Premium e-Checking accounts will have the 3rd Tuesday
of each month as the statement cycle date.
Limited
offer
- This offer
is subject to limitation, modification, or withdrawal without notice.
E-Statement
requirement
- Receiving your monthly bank statements electronically is a requirement
for this product. If you opt
to receive paper statements, the Bank may convert your account to a
N.O.W. Checking account.
Availability
–
Premium e-Checking is available for consumer-purpose accounts only.
Please see a Bank employee for rates and further information
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