Feature Product
Advantage Checking... Now offering savings and protections that give you the advantage. All of these benefits are available to you at no additional charge... simply choose what suits your lifestyle!


No Minimum Balance

Regardless of your balance at the end of the month, your Advantage Checking account won’t incur any additional service charge. You pay the same amount each month ($10.00). The minimum to open an account - $100.

Personalized Checks

With your Advantage Checking, you’ll receive two boxes of bank stock checks per year at no additional charge.

Cashier’s Checks

When you need a cashier's check, just ask us. We'll issue it at no charge if you're a member of Advantage Checking.

Internet Banking and Bill Pay

For no additional charge, have access to your account whenever your schedule allows, plus pay bills online at your convenience - quick and easy


Shopping is convenient, fast, and easy, and you can use your check card everywhere VISA is accepted. There's no charge to use your card for purchases or for withdrawls at our SNBT ATMs.

Mobile Banking

Accessing your account keeps getting easier and more convenient. Now it simply requires the use of your cell phone to view your account and make transfers.

External Transfers

Sending money across town, or cross country, is now simple and worry-free, with our External Transfer option in our Internet Bank.

Online Statements

Access your bank statement with images on our secure website. We store up to 24 months of e-statements and images for your convenience. Statement and images can also be printed or stores on your PC.


You may download your banking activity to Quicken, QuickBooks, or Microsoft Money from our secure internet bank, to make balancing your accounts quick and easy.


You can check your balances, transfer funds and review recent account history using any telephone that's handy, by calling our secure TeleBank at 940-723-7222, or 1-888-896-7628 if you are out of the area.


Identity IQ Protect Pro

Help safeguard your identity. Enrolling in Identity IQ program provides daily credit file monitoring of your Experian, Equifax and TransUnion credit files, with email alerts, fraud alert assistance, credit score tracking, comprehensive victim assistance benefits, including up to $1 million of expense reimbursement, credit scores, lost wallet assistance, credit score simulator and checking account report. Limit one per customer.

$20,000 Accidental Death & Dismemberment Insurance and $50,000 Common Carrier Insurance

Coverage is provided immediately at no additional charge. Ask for details. If you have a joint account, the total coverage is divided evenly. Coverage includes several additional benefits related to accidental deaths or dismemberment, with no age restrictions, such as the following:

Additional Benefits

- Coma Benefits

- Bereavement and Trauma Counseling Benefits

- Emergency Medical Expense Guarantee Benefits

- Emergency Medical Evacuation

- Rehabilitation Benefits

- Repatriation of Remains Benefits

- Seatbelt and Airbag Benefits

- Travel Assistance Services

Identity Theft 911™ - $90 Retail Value

Defend yourself and your family from the problems created by identity theft. If you become a victim of identity theft, call the toll-free number and you will be assigned to a highly qualified personal advocate who is the single source of contact in helping you resolve your problem from start to finish. You save time and avoid frustration and the problem gets corrected with the help of an expert. You will also have access to a website for receiving valuable information about identity theft issues.

Living Family Journal - $25 Retail Value

Create peace of mind from the convenience of your personal computer. Organize, record, and document personal, medical and financial information with your Living Family Journal. For those without a PC, the journal can be obtained from a New Account Representative.


Prepaid Shopping and Dining Gift Cards - $300 Retail Value

You will have access to a dynamic savings program whuch will reward you everytime you use it. Go to the member benefit website or app to find great deals at hundreds of popular merchants and restaurants. Customers will find coupons and free shipping offers from top retailers and brands online and also receive discounts in stores and restaurants with mobile mobile or print coupons.

Grocery Coupons - Value Varies

Save on groceries, home and health-care products, pet products and supplies and more from trusted brands at top stores.

Big Savings on Attractions - Value Varies

Receive savings at major theme parks around the country. Plus, save off the box office price by purchasing movie tickets in advance for leading theathers.

Save 10% or more on Select Hotel Chains - $90 Value

Whether it's a weekend getaway or family vation use these great discounts to save on your trip planning.

Other Travel Savings - Value Varies

You can save up to 20% on rental cars and even more on cruises and vacation packages, simply by calling the toll-free numbers.


Prescription Drug Discounts - $120 Retail Value


Discounts are available through the EasySaver© Program. You and your family will receive discounts on many of your prescriptions through local participating pharmacies and major chains.

Vision Care Savings - $50 Retail Value


You receive guaranteed lowest prices on eyewear at thousands of locations nationwide plus a 30 day satisfaction guarantee. Save 10% to 60% on vision care plus, you also have access to a network of ophthalmologists, in selected markets, providing members 10% to 30% discounts on qualified procedures.


By enrolling in Advantage Checkin, you will become eligible for one complimentary Identity IQ Protect Pro membership per household. This is an OPTIONAL service & requires separate enrollment on your behalf. Your membership in Advantage Checking DOES NOT AUTOMATICALLY INCLUDE an Identity IQ Protect Pro membership.

Identity IQ Protect Pro

Identity IQ provides you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. Know what is in your credit report, watch for changes in your credit score and receive alerts if something changes in your credit file. Plan your best defense with our Identity theft restoration products. Our identity and credit related services harness and integrate the power of most advanced business information resources to inform, protect, alert and assist you in the event of identity theft or credit reporting problems. Your membership entitles you to one complimentary membership per household. (Additional family members may enroll at a 25% discount off the retail price.)

SafeGuard Plans………. offering Benefits on a Budget!

Add value to any consumer checking or savings account you have with us, by adding one of the following plans to your account (also available for sole proprietorships).

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

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

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