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 business needs. Product availability will depend on Entity type.
| Name/Type | Minimum Opening Deposit | Interest Earned | Minimum Average Balance Requirement | Account Fees | Debit/ATM Card Available | Check Images |
|---|---|---|---|---|---|---|
| Regular Checking | $50.00 | No | No | No | Yes | No |
| Regular Checking – Checks Returned | $50.00 | No | No | $4.00/month for check images | Yes | Yes |
| Now Checking | $800.00 | Yes | $800.00 | $7.00 *See below | Yes | No |
| Now Checking – Checks Returned | $800.00 | Yes | $800.00 | $4.00/month for check images $7.00 *See below | Yes | Yes |
| Limited Checking **See below | $2500.00 | Yes | $2500.00 | $7.00 *See below | Yes | Yes |
| Unlimited Checking | $2500.00 | Yes | $2500.00 | $7.00 *See below | Yes | Yes |
*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.
Returned Item Fee: All business accounts have a Returned Item Fee charge of $4.00 per item returned.
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 YOUR 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.
| Member FDIC |