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Personal Checking At The State Bank you can truly have it all when it comes to your checking account  – rate, rewards, and more! Open an account online or stop by one of our locations to pick your perfect account.

 

 

Online Account Opening

No time to stop into a branch to open a checking or savings account?  No problem!
Click here to begin online!

Kasasa Cash Checking

Checking accounts don't have to be boring! Kasasa is the checking account that pays you for banking with us. Earn premium interest rewards and ATM fee refunds through your qualified monthly activity. Link to a Kasasa Saver to unlock additional savings potential!

Monthly maintenance fee: $0
Minimum Balance: $0
Minimum Opening Deposit: $25

Kasasa Cash Checking accounts come with:
  • Earn 2.50% APY* on balances up to $50,000
  • 2.50% to 0.93% APY on balances over $50,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Up to $25 in ATM fee refunds*
  • Free Online and Mobile Banking
  • Free Debit Card

 

Click here to open your account online, or stop in to one of our local branches to let us help you find your perfect checking account.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions (i.e. consumer to consumer, Popmoney®), and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Cycle” or “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Qualifications for Interest and ATM Reward: (1) Minimum of 12 debit card transactions that post and settle to your Free Kasasa Cash Account during the monthly qualification cycle. (2) Sign up for and Access Online Banking each monthly qualification cycle. (3) Sign up for and receive electronic statements. 

Reward Information: When your Free Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $50,000 receive APY of 2.50%; and balances over $50,000 earn 0.15% interest rate on the portion of balance over $50,000, resulting in a range from 2.50% to 0.93% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Free Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded*.  Interest and ATM withdrawal fee reimbursements will be credited to your Free Kasasa Cash account on the last business day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 05/01/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 

Cycle Date Information: The following dates apply to your Kasasa Cash Back Checking, Kasasa Cash Checking, Kasasa Tunes Checking and InControl Checking accounts. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account's rewards, all the transactions and activities identified within your specific account’s disclosure under “Qualification Information” must post and settle to your Kasasa checking account with these Monthly Qualification Cycle dates.

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions (i.e. consumer to consumer, Popmoney, Zelle) and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

Month Year Qualification Cycle Begins Qualification Cycle Ends Statement Cycle Begins Statement Cycle Ends
September 2019 08/30/2019 09/27/2019 09/01/2019 09/30/2019
October 2019 09/28/2019 10/30/2019 10/01/2019 10/31/2019
November 2019 10/31/2019 11/28/2019 11/01/2019 11/30/2019
December 2019 11/29/2019 12/30/2019 12/01/2019 12/31/2019
January 2020 12/31/2019 01/30/2020 01/01/2020 01/31/2020
February 2020 01/31/2020 02/27/2020 02/01/2020 02/29/2020
March 2020 02/28/2020 03/30/2020 03/01/2020 03/31/2020
April 2020 03/31/2020 04/29/2020 04/01/2020 04/30/2020
May 2020 04/30/2020 05/28/2020 05/01/2020 05/31/2020
June 2020 05/29/2020 06/29/2020 06/01/2020 06/30/2020
July 2020 06/30/2020 07/30/2020 07/01/2020 07/31/2020
August 2020 07/31/2020 08/28/2020 08/01/2020 08/31/2020
September 2020 08/29/2020 09/29/2020 09/01/2020 09/30/2020
October 2020 09/30/2020 10/29/2020 10/01/2020 10/31/2020
November 2020 10/30/2020 11/27/2020 11/01/2020 11/30/2020
December 2020 11/28/2020 12/30/2020 12/01/2020 12/31/2020
January 2021 12/31/2020 01/28/2021 01/01/2021 01/31/2021
February 2021 01/29/2021 02/25/2021 02/01/2021 02/28/2021
March 2021 02/26/2021 03/30/2021 03/01/2021 03/31/2021
April 2021 03/31/2021 04/29/2021 04/01/2021 04/30/2021
May 2021 04/30/2021 05/27/2021 05/01/2021 05/31/2021
June 2021 05/28/2021 06/29/2021 06/01/2021 06/30/2021
July 2021 06/30/2021 07/29/2021 07/01/2021 07/31/2021
August 2021 07/30/2021 08/30/2021 08/01/2021 08/31/2021
September 2021 08/31/2021 09/29/2021 09/01/2021 09/30/2021
October 2021 09/30/2021 10/28/2021 10/01/2021 10/31/2021
November 2021 10/29/2021 11/29/2021 11/01/2021 11/30/2021
December 2021 11/30/2021 12/30/2021 12/01/2021 12/31/2021

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  Enrollment in online banking, receipt of electronic statements, and conducting POS transactions with a State Bank debit card are conditions of this account and are required to meet some of the account’s qualifications.  Limit 1 account per social security number / individual taxpayer identification number.  Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. The State Bank, Member FDIC.  Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Back Checking

Be rewarded with Kasasa Cash Back Checking! This checking account offers you 4% Cash Back – up to $10 per month - on purchases up to $250*. Link to a Kasasa Saver to unlock additional savings potential!

Monthly maintenance fee: $0
Minimum Balance: $0
Minimum Opening Deposit: $25

Kasasa Cash Back Checking accounts come with:
  • Up to $25 in ATM fee refunds*
  • 4% cash back on up to a total of $250 point of sale purchases, which can earn you up to $10 per month*
  • Free Online and Mobile Banking
  • Free Debit Card

Click here to open your account online, or stop in to one of our local branches to let us help you find your perfect checking account.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions (i.e. consumer to consumer, Popmoney®), and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Cycle” or “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Qualifications for Interest, Cash Back, and ATM Reward: (1) Minimum of 12 debit card transactions that post and settle to your Free Kasasa Cash or Cash Back Account during the monthly qualification cycle. (2) Sign up for and Access Online Banking each monthly qualification cycle. (3) Sign up for and receive electronic statements. 

Reward Information: When your Free Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you receive 4% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $10 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to the account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. 

Cycle Date Information: The following dates apply to your Kasasa Cash Back Checking, Kasasa Cash Checking, Kasasa Tunes Checking and InControl Checking accounts. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account's rewards, all the transactions and activities identified within your specific account’s disclosure under “Qualification Information” must post and settle to your Kasasa checking account with these Monthly Qualification Cycle dates.

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions (i.e. consumer to consumer, Popmoney, Zelle) and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

Month Year Qualification Cycle Begins Qualification Cycle Ends Statement Cycle Begins Statement Cycle Ends
September 2019 08/30/2019 09/27/2019 09/01/2019 09/30/2019
October 2019 09/28/2019 10/30/2019 10/01/2019 10/31/2019
November 2019 10/31/2019 11/28/2019 11/01/2019 11/30/2019
December 2019 11/29/2019 12/30/2019 12/01/2019 12/31/2019
January 2020 12/31/2019 01/30/2020 01/01/2020 01/31/2020
February 2020 01/31/2020 02/27/2020 02/01/2020 02/29/2020
March 2020 02/28/2020 03/30/2020 03/01/2020 03/31/2020
April 2020 03/31/2020 04/29/2020 04/01/2020 04/30/2020
May 2020 04/30/2020 05/28/2020 05/01/2020 05/31/2020
June 2020 05/29/2020 06/29/2020 06/01/2020 06/30/2020
July 2020 06/30/2020 07/30/2020 07/01/2020 07/31/2020
August 2020 07/31/2020 08/28/2020 08/01/2020 08/31/2020
September 2020 08/29/2020 09/29/2020 09/01/2020 09/30/2020
October 2020 09/30/2020 10/29/2020 10/01/2020 10/31/2020
November 2020 10/30/2020 11/27/2020 11/01/2020 11/30/2020
December 2020 11/28/2020 12/30/2020 12/01/2020 12/31/2020
January 2021 12/31/2020 01/28/2021 01/01/2021 01/31/2021
February 2021 01/29/2021 02/25/2021 02/01/2021 02/28/2021
March 2021 02/26/2021 03/30/2021 03/01/2021 03/31/2021
April 2021 03/31/2021 04/29/2021 04/01/2021 04/30/2021
May 2021 04/30/2021 05/27/2021 05/01/2021 05/31/2021
June 2021 05/28/2021 06/29/2021 06/01/2021 06/30/2021
July 2021 06/30/2021 07/29/2021 07/01/2021 07/31/2021
August 2021 07/30/2021 08/30/2021 08/01/2021 08/31/2021
September 2021 08/31/2021 09/29/2021 09/01/2021 09/30/2021
October 2021 09/30/2021 10/28/2021 10/01/2021 10/31/2021
November 2021 10/29/2021 11/29/2021 11/01/2021 11/30/2021
December 2021 11/30/2021 12/30/2021 12/01/2021 12/31/2021

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  Enrollment in online banking, receipt of electronic statements, and conducting POS transactions with a State Bank debit card are conditions of this account and are required to meet some of the account’s qualifications.  Limit 1 account per social security number / individual taxpayer identification number.  Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. The State Bank, Member FDIC.  Kasasa,  Kasasa Cash, and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Tunes Checking

With Kasasa Tunes Checking not only do you get great benefits, but you also get rewarded with Digital Credit Rewards.

Monthly maintenance fee: $0
Minimum Balance: $0
Minimum Opening Deposit: $25

Kasasa Tunes Checking accounts come with:
  • Earn $10 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month*
  • Get $20 in refunds for iTunes, Amazon, or Google Play purchases when you open your account*
  • Up to $25 in ATM fee refunds*
  • Free Online and Mobile Banking
  • Free Debit Card

To get more information or to set up your account with The State Bank contact us or stop in to one of our local branches for a consultation.

 

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions (i.e. consumer to consumer, Popmoney®), and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Cycle” or “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Qualifications for Interest and ATM Reward: (1) Minimum of 12 debit card transactions that post and settle to your Free Kasasa Account during the monthly qualification cycle. (2) Sign up for and Access Online Banking each monthly qualification cycle. (3) Sign up for and receive electronic statements. 

Cycle Date Information: The following dates apply to your Kasasa Cash Back Checking, Kasasa Cash Checking, Kasasa Tunes Checking and InControl Checking accounts. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account's rewards, all the transactions and activities identified within your specific account’s disclosure under “Qualification Information” must post and settle to your Kasasa checking account with these Monthly Qualification Cycle dates.

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions (i.e. consumer to consumer, Popmoney, Zelle) and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

Month Year Qualification Cycle Begins Qualification Cycle Ends Statement Cycle Begins Statement Cycle Ends
September 2019 08/30/2019 09/27/2019 09/01/2019 09/30/2019
October 2019 09/28/2019 10/30/2019 10/01/2019 10/31/2019
November 2019 10/31/2019 11/28/2019 11/01/2019 11/30/2019
December 2019 11/29/2019 12/30/2019 12/01/2019 12/31/2019
January 2020 12/31/2019 01/30/2020 01/01/2020 01/31/2020
February 2020 01/31/2020 02/27/2020 02/01/2020 02/29/2020
March 2020 02/28/2020 03/30/2020 03/01/2020 03/31/2020
April 2020 03/31/2020 04/29/2020 04/01/2020 04/30/2020
May 2020 04/30/2020 05/28/2020 05/01/2020 05/31/2020
June 2020 05/29/2020 06/29/2020 06/01/2020 06/30/2020
July 2020 06/30/2020 07/30/2020 07/01/2020 07/31/2020
August 2020 07/31/2020 08/28/2020 08/01/2020 08/31/2020
September 2020 08/29/2020 09/29/2020 09/01/2020 09/30/2020
October 2020 09/30/2020 10/29/2020 10/01/2020 10/31/2020
November 2020 10/30/2020 11/27/2020 11/01/2020 11/30/2020
December 2020 11/28/2020 12/30/2020 12/01/2020 12/31/2020
January 2021 12/31/2020 01/28/2021 01/01/2021 01/31/2021
February 2021 01/29/2021 02/25/2021 02/01/2021 02/28/2021
March 2021 02/26/2021 03/30/2021 03/01/2021 03/31/2021
April 2021 03/31/2021 04/29/2021 04/01/2021 04/30/2021
May 2021 04/30/2021 05/27/2021 05/01/2021 05/31/2021
June 2021 05/28/2021 06/29/2021 06/01/2021 06/30/2021
July 2021 06/30/2021 07/29/2021 07/01/2021 07/31/2021
August 2021 07/30/2021 08/30/2021 08/01/2021 08/31/2021
September 2021 08/31/2021 09/29/2021 09/01/2021 09/30/2021
October 2021 09/30/2021 10/28/2021 10/01/2021 10/31/2021
November 2021 10/29/2021 11/29/2021 11/01/2021 11/30/2021
December 2021 11/30/2021 12/30/2021 12/01/2021 12/31/2021

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  Enrollment in online banking, receipt of electronic statements, and conducting POS transactions with a State Bank debit card are conditions of this account and are required to meet some of the account’s qualifications.  Limit 1 account per social security number / individual taxpayer identification number.  Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. The State Bank, Member FDIC.  Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Are you looking for a checking account but don't need all the benefits provided by Kasasa?

To get more information about our InControl checking account or to set up your account with The State Bank contact us or stop in to one of our local branches for a consultation

 

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Let The State Bank help you make 'Smart Decisions' with your finances.

 

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POSSIBLE ITM OUTAGES: Due to ongoing work with Consumer’s Energy in the area of our ITM headquarters, there may be intermittent ITM outages. We apologize for any inconvenience.

Please visit the lobby of any of our branch offices or utilize our online banking or mobile banking tools.