Eco-Checking

It’s economical and ecological, by offering electronic banking solutions that positively impact our environment! Think Green!

Minimum to open $100.00
No monthly service charge when:
You receive e-statements exclusively, OR
You maintain a minimum daily balance >$25,000;
If you do neither, the monthly service charge will be $3.00

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Plus,

The following services are offered on all of our personal checking accounts:

Free VISA Check Card(s)
Toll-free TeleBank at 1-888-896-7628
Free Internet Banking with Bill Pay at www.snbt.net
Free "e"- statements with images on our secure internet bank, stores up to 24 months of e-statements and images
Free downloads of your banking activity to Quicken©, QuickBooks©, or Microsoft Money©
Free mobile banking at www.snbt.net/mobi with your smart phone
  For added convenience, now you may transfer funds between your SNBT account and your account at another bank, in our secure internet bank for just $2.00 per transfer.

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Personal N.O.W. Checking

Interest checking regardless of your age……… you’ve earned it!

Minimum to open $1,000.00
Monthly service charge of $3.00 unless:
You maintain a minimum daily balance $25,000; OR
You agree to receive e-statements for this account.
35 debit transactions per month at no charge (or $0.25 per additional item)
Earns interest if you maintain an average daily collected balance of $1,000.00 or more, and a higher APY when you maintain an average collected balance of $2,500.00 or more.
Unlimited check-writing with a minimum balance of $25,000.00

Prestige Checking

Interest checking for our customers 55 or better………you’ve earned it!

Minimum to open $100.00
Earns interest when you maintain a minimum average daily collected balance of $2,500.00 or more, and a higher APY when you maintain a minimum average collected balance over $10,000.00.
No monthly service charge or minimum balance!
35 debit transactions per month at no charge (25¢ per additional item)
First order of bank stock checks is free
Discount of 25% safe deposit box rent (where available)

Advantage Checking

Enjoy unlimited check writing with valuable “extras”, now including Identity IQ Protect Pro! No worries about balance or transaction limitations. With a “flat” service charge, you know what your fee will be from month to month.

Minimum to open $100.00
Flat monthly service charge of $10.00, unlimited transactions
2 free orders of bank stock checks per year
Free cashier's checks
Advantage Checking Benefit Package includes:
    Identity IQ Protect Pro Identity Theft Protection
    Identity Theft 911 Resolution Center
    $20,000 AD&D Insurance and $50,000 wile traveling by airline
    Shopping Made Easy shopping offers 20% cash back on gift cards from major retailers for home, automotive, and leisure.  You can also enjoy travel, entertainment, and health savings!

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!

  SafeGuard Plan #1
Identity IQ Protect Pro Identity Theft Protection
Identity Theft 911 Resolution Center
$5,000 AD&D Insurance

Only $6.00 per month


  SafeGuard Plan #2
Identity Theft 911 Resolution Center
$5,000 AD&D Insurance

Only $2.00 per month

* Limit one complimentary Identity IQ Protect Pro account per household. Additional family members may enroll at a 25% discount off the retail price.

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Important Information regarding our Interest-bearing Checking Accounts
(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.

Please contact us at (940) 592-4131 or toll free (866) 770-1179 for rates and further information.

 

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