PERSONAL CHECKING

A checking account is an important tool when it comes to the daily management of your money. The State Bank of Gilman offers many different types of checking accounts, so there is sure to be an account that will meet your needs.

Our checking accounts are fully compatible with business software like quickbooks which gives users the ability to print business voucher checks and intuit compatible quickbooks checks from their own computer.

AFFORDABLE CHECKING

  • No Minimum Balance
  • Check Safekeeping
  • Limit 15 withdrawals - $.25 per check over 15

BASIC CHECKING

  • Minimum Balance $200
  • Monthly Maintenance Fee of $5.50 if balance falls below $200
  • Unlimited Check Writing
  • Check Safekeeping
  • One free box of checks per calendar year (duplicate or wallet)
  • Free Travelers Checks

SUPER NOW CHECKING

  • Minimum Balance $750
  • Monthly Maintenance Fee of $7.50 if balance falls below $750
  • Earn Tiered Interest
  • Unlimited Check Writing
  • Check Safekeeping
  • One free box of checks per calendar year (duplicate or wallet)
  • Free Travelers Checks

PREMIUM CLUB CHECKING
To qualify for this account, customer must maintain a Savings or Certificate of Deposit of $5,000 or more OR have a mortgage or installment loan account with the State Bank of Gilman and have payments made to loan on automatic debit from this account. In the event that a qualifying $5,000 deposit account or loan account is not maintained, there will be a fee of $10.00 per month until a qualifying account is reestablished.

  • Earn Tiered Interest
  • Balance $750 & over – Earn Bank Rate* plus premium
  • Balance less than $750 – Earn Bank Rate*
  • No Minimum Balance with qualifying deposit or loan
  • Unlimited Check Writing
  • Check Safekeeping
  • No Annual Fee for Check Card
  • One free box of checks per calendar year (duplicate or wallet)
  • Free Travelers Checks

55 CLUB CHECKING
Customers of the State Bank of Gilman who are 55 years of age or better will automatically qualify for this account.

  • No Minimum Balance/No Monthly Maintenance Fee
  • Earn interest at Bank Rate*
  • Unlimited Check Writing
  • Check Safekeeping
  • One free box of checks per calendar year (duplicate or wallet)

55 PLUS CLUB CHECKING

  • No Minimum Balance requirement if customer maintains an aggregate balance of $5,000 or more in their State Bank of Gilman Savings, Certificate of Deposit or Money Market Account(s)
  • Monthly Service Charge of $10.00 if aggregate balance in Savings, Certificate of Deposit or Money Market drops below $5,000 and the account balance falls below $750
  • Earn interest at Bank Rate* plus premium
  • Unlimited Check Writing
  • No Annual Fee for Check Card
  • One free box of checks per calendar year (duplicate or wallet)
  • Check Safekeeping
  • Certificates of Deposit earn ½% above posted rate

ALSO…ALL 55 CHECKING ACCOUNTS RECEIVE

  • Free Travelers Checks – Free Money Orders
  • Free Photocopies (limit 3 per day)

Unless specified as "No Annual Fee," Check Cards are available on all Checking Accounts to qualified applicants at the regular fees.

ALL CHECKING ACCOUNTS REQUIRE A MINIMUM OPENING DEPOSIT OF $50.00

*INTEREST IS PAID MONTHLY ON THE DAILY COLLECTED BALANCE. RATES ARE POSTED IN THE LOBBY OF EACH OFFICE AND ARE BASED ON CURRENT MARKET RATES, SUBJECT TO CHANGE DAILY. FOR CURRENT RATES, CALL OR STOP AT ANY OFFICE OF STATE BANK OF GILMAN.