Checking

State Bank of Cold Spring offers a wide range of products and services with competitive rates. We can provide a banking solution to fit your individual needs.

Name/TypeMinimum Opening DepositInterest Earned Minimum Average Balance RequirementAccount FeesDebit/ATM Card
Available
Check Images
Regular
Checking
$50.00NoNoNoYesNo
Regular Checking – Checks Returned$50.00NoNo$4.00/month for check imagesYesYes
Now Checking$800.00Yes$800.00$7.00
*See below
YesNo
Now Checking – Checks Returned$800.00Yes$800.00$4.00/month for check images
$7.00
*See below
YesYes
Limited Checking
**See below
$2500.00Yes$2500.00$7.00
*See below
YesYes
Unlimited Checking$2500.00Yes$2500.00$7.00
*See below
YesYes

*A minimum average balance fee of $7.00 will be imposed every monthly statement cycle unless you maintain the average daily balance requirement for that account.

**You can not have funds transferred more than 6 times per month to another one of your accounts or to a third party by check, preauthorized or automatic transfer, draft, or debit card.

 

To Prevent Identity Theft & Fraud:

  • Never give out your banking or personal information unless you initiate the call or transaction
  • Monitor your accounts online and review statements promptly
  • Keep your ATM & Debit Cards in a safe place

Contact us immediately if you notice any unusual transactions. Should you notice any suspicious transactions with your debit card after hours, please call 1-800-383-8000 to cancel your card.

THE STATE BANK OF COLD SPRING WILL NEVER SEND YOU AN EMAIL OR CALL YOU BY TELEPHONE ASKING TO VERIFY, UPDATE OR CONFIRM YOU BANK ACCOUNT INFORMATION. IF YOU DO RECEIVE SUCH A REQUEST, DO NOT RESPOND. PLEASE CONTACT US IMMEDIATELY AT: 320-685-8655

 

Click here for a list of our Limits and Fees