Personal Checking

Expect more

Let us change your perspective about what a checking account looks like. Checking accounts don’t have to be boring – you can truly have it all: rate, rewards, and more! Open an account online or stop by one of our locations to pick your perfect account. 

Minimum Opening Deposit
$25
$25
$25
$25
Minimum Balance
$0
$0
$0
$0
Monthly Maintenance Fee
$0
$0
$0
$3*
Debit Card
Free
Free
Free
Free
Online & Mobile Banking
Free
Free
Free
Free

Kasasa Cash Checking

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! Kasasa Cash Checking accounts come with:

  • Earn 1.00% APY** on balances up to $50,000
  • 1.00% to 0.44% 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*

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.

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®, Zelle), 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.

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.

When your Free Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $50,000 receive APY of 1.00%; and balances over $50,000 earn 0.15% interest rate on the portion of balance over $50,000, resulting in a range from 1.00% to 0.44% 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 = Interest is compounded and credited monthly. If you close your account before the interest is credited, you will not receive the accrued interest. Interest begins to accrue on the Business Day you deposit noncash items (for example, checks). Business Days are Monday through Friday, not including Federal Holidays. “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. Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

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! 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**

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.

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, Zelle), 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. “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. Please see the below for the specific Monthly Qualification Cycle dates for your account. Specific Monthly Qualification Cycle dates are also available at www.thestatebank.com or by visiting one of our local branches. “Banking Day” means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. “Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the account holder’s account. See below for our specific Statement Cycle Dates or visit our website at www.thestatebank.com.

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.

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $250 POS (point of sale) debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. 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 your Kasasa Cash Back account qualifications are not met, no cash back payments are paid and ATM withdrawal fees are not refunded.

Cash Back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Saver for Cash Back account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. If the account is closed before rewards are credited, you will forfeit the rewards.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the account. Monthly login to online banking, receipt of electronic statements and 12 debit card transactions are conditions of this account to earn rewards. See accompanying schedule of Financial Service Fees for fees that may apply to this account. Limit of 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Fees may reduce earnings. Rewards are variable and may change after account is opened. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. The State Bank, Member FDIC. Trademarks: Kasasa 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. 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*

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.

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®, Zelle), 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. Business Days are Monday through Friday, not including Federal Holidays.

Qualifications for Tunes and ATM Reward: (1) Minimum of 12 debit card transactions that post and settle to your Kasasa Tunes 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.

When your Kasasa Tunes account qualifications are met during a Monthly Qualification Cycle, (1) Sign-up Bonus: You will be refunded up to $20.00 (which includes any applicable taxes) for iTunes®, Google Play® or Amazon.com® purchases that post to and settle your account during the first 60 days after you open the account. Refunds will be credited to the account on the last business day of the statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $10.00 in refunds of iTunes® Google Play® or Amazon.com® purchases if qualifications are met during the previous monthly qualification cycle. Purchases must be made with the debit card associated with your Kasasa Tunes account. (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 Kasasa Tunes qualifications are not met, no refunds are issued, neither for iTunes®, Google Play® or Amazon.com® purchases or for ATM withdrawal fees. Tunes purchase refunds and ATM withdrawal fee reimbursements will be credited to your Kasasa Tunes account on the last business day of the current statement cycle. Rewards are variable and may change after account is opened. Fees may reduce earnings.

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. There is no monthly service fee for this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. The State Bank, Member FDIC. Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa InControl Checking

Are you looking for a checking account but don’t need all the bells and whistles of Kasasa? We can keep it simple. 

  • Monthly Maintenance Fee of $3.00 can be waived in one of two ways:
    • Use your debit card to make purchases six times or more in a monthly qualification cycle
    • Sign up for and remain in e-statements and the fee will be eliminated.

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.

Personal Checking

Savings Reimagined

Set your savings on autopilot with Kasasa Saver! This account allows you to save cash automatically when you link your account to your Kasasa Cash or Cash Back Checking account.

Go Digital

At The State Bank, we promise to make your life easier. Let us help you find your better state – on the go – with our Go Digital Services.

Personal Checking

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