Easy checking with drawls.
Find the best checking account for you (or y’all).
| Simply Free Checking | Top-Tier Interest Checking | Security 50 Checking | |
| Description | For people of all ages who just want to avoid fees and no minimum deposit. | For people who want the best rates and can maintain a minimum balance of $1,000. | For people over age 50 who want no fees and no minimum deposit. |
| Minimum deposit to open | $50.00 | $50.00 | $50.00 |
| Monthly service charge | None | $10.00 (avoid by maintaining minimum balance) | None |
| Minimum balance to avoid fees | None | $1,000.00 You have until the last business day of the month in which the account is opened to meet the minimum balance requirements. | None |
| Free Mobile and Online Banking, including mobile deposits with the SSB&T Mobile App | ★ | ★ | ★ |
| Free electronic or paper statements | ★ | ★ | ★ |
| Free Debit Card | ★ | ★ | ★ |
| Free standard checks (two orders per year) | ★ | ★ | |
| Free cashier’s checks | ★ | ★ | |
| Free consultation with an SSB&T Wealth advisor | ★ | ★ | ★ |
Deposits will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000.00), for each deposit insurance ownership category. For more information, visit www.fdic.gov
Open a checking account
Benefits with every personal checking account
Debit card
Issued to you instantly, with the power to freeze the card if it gets lost or stolen.
Mobile and Online Banking
Manage your money from your phone or any device that has internet access.
Mobile wallet
Enjoy contactless pay for items at stores, restaurants and more from your phone.
Overdraft services
Sometimes, money gets tight, and the electric bill has to come out of your account before you’ve deposited the paycheck to cover it. We strive to cover payments like that, though we have to use discretion over how many payments we cover.
| Overdraft Coverage | Overdraft Coverage PLUS | Overdraft Transfer |
| Included free with every checking account | Opt in for free | Opt in for free |
| Strives to cover checks and ACH payments that overdraw your account (at our discretion) until you can cover them | Strives to cover overdrawn debit transactions on top of checks and ACHs (at our discretion) until you can cover them | Covers overdrafts by transferring money from another account of your choice |
| $30 fee for each overdraft covered | $30 fee for each overdraft covered | $7 fee for each overdraft transfer |
| No cost if you never overdraw | No cost if you never overdraw | No cost if you never overdraw |
| Without opt-in, overdrafted debit transactions will simply be declined |
Other personal products and services
- Wire transfers: Faster than a regular bank transfer, though it may involve additional fees.
- Gift cards: Avoid the fees you’d typically pay on a universal gift card issued by a credit card company.
- Safe deposit services (where available): A secure place to store important documents or other valuables.
Contact your local branch to learn more.
Quick Links: Report lost/stolen debit card | Reorder checks
The customer service at this bank is world class. Amazing people and services. Best ever in our lives!
Living paycheck to paycheck?
Maybe we can help. Check out our financial literacy courses.
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