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Sturgis Bank Checking

Personal Checking Accounts

Accounts for Every Stage of Your Life

At Sturgis Bank, we offer checking accounts that keep pace with your financial growth. We’ve designed options that help you maximize your money, whether you’re opening your first checking account or are getting ready to retire.

To find an account that fits your lifestyle and financial goals, review our programs below.
Have questions? Contact a Customer Service Representative today. We'll help you find the right account for you.

 

Oak Value Checking

You need a basic checking account with useful services and can maintain minimum balance requirements.

Open Now

Most Benefits

Secure Checking

You want an account that earns interest, with a range of additional services and rewards.
 

Open Now

See what's included

Oak Senior Checking

You are 62 years of age or older and want a checking account with useful services.
 

Open Now

Teen Checking 101

You are between 15 and 17 years old and need an affordable checking account with useful services.***

 

Feature Oak Value Checking Secure Checking Oak Senior Checking Teen Checking 101

Opening Deposit

$100

$50

$100

$50

Minimum Balance to Avoid Service Fee

$2,500 with paper statement
$100 with eStatement

None

$100

None

Monthly Service Fee

Receiving Paper Statement
$7.00 fee imposed if the average balance for the statement cycle falls below $100
$2.00 fee imposed if the average balance for the statement cycle falls below $2,500

Receiving eStatement
$5.00 fee imposed if the average balance for the statement cycle falls below $100

$5.99 or $5.50 for account receiving eStatements.

$6.00 fee imposed if the average balance for the statement cycle falls below $100

Free

Interest - Check Rate

No

Yes

No

No

Visa® Check Card*

Free

Free

Free

Free

Online Banking and BillPay

Free

Free

Free

Free

Telebank

Free

Free

Free

Free

Overdraft Protection**

Available

Available

Available

Not Available

Overdraft Forgiveness

No

Yes

No

No

ATM Reimbursement2

No

Yes

No

No

eStatements

Available

Available

Available

Available

Special Benefits

not available 

IDProtect®, Cell Phone Protection, AD&D Insurance, Travel & Leisure Discounts, $hopping Rewards™, Debit Advantage™ & Family Health Discounts 

not available 

not available 

Contact Us

Oak Value Checking

Opening Deposit $100

Minimum Balance to Avoid Service Fee
$2,500 with paper statement $100 with eStatement

Monthly Service Fee
Receiving Paper Statement $7.00 fee imposed if the average balance for the statement cycle falls below $100 $2.00 fee imposed if the average balance for the statement cycle falls below $2,500
Receiving eStatement $5.00 fee imposed if the average balance for the statement cycle falls below $100

Interest - Check Rate No

Visa® Check Card* Free

Online Banking and BillPay Free

Telebank Free

Overdraft Protection** Available

Overdraft Forgiveness No

ATM Reimbursement2 No

eStatements Available

Secure Checking

Opening Deposit $50

Minimum Balance to Avoid Service Fee
None

Monthly Service Fee
$5.99 or $5.50 for account receiving eStatements.

Interest - Check Rate Yes

Visa® Check Card* Free

Online Banking and BillPay Free

Telebank Free

Overdraft Protection** Available

Overdraft Forgiveness Yes

ATM Reimbursement2 Yes

eStatements Available

Special Benefits
IDProtect®, Cell Phone Protection, AD&D Insurance, Travel & Leisure Discounts, $hopping Rewards™, Debit Advantage™ & Family Health Discounts

 

Learn more

Oak Senior Checking

Opening Deposit $100

Minimum Balance to Avoid Service Fee
$100

Monthly Service Fee
$6.00 fee imposed if the average balance for the statement cycle falls below $100

Interest - Check Rate No

Visa® Check Card* Free

Online Banking and BillPay Free

Telebank Free

Overdraft Protection** Available

Overdraft Forgiveness No

ATM Reimbursement2 No

eStatements Available

Teen Checking 101

Opening Deposit $50

Minimum Balance to Avoid Service Fee
None

Monthly Service Fee
Free

Interest - Check Rate No

Visa® Check Card* Free

Online Banking and BillPay Free

Telebank Free

Overdraft Protection** Not Available

Overdraft Forgiveness No

ATM Reimbursement2 No

eStatements Available

 

Contact Us

1 Overdraft Forgiveness: Coupon for one overdraft reimbursement on accounts opened after 2/1/2017 - upon request

2ATM Reimbursement: Refund SB & foreign bank fee. Limit 2 transactions per month. Refund within 45 days of transaction, receipt required.

* Non-proprietary ATM fees may apply

** Subject to credit approval

*** Teen Checking 101 can be opened between 15 and 17 years of age and will be converted to a Secure Checking at 22 years of age. At opening, account must have an 18 years of age or older co-owner.

For more detailed disclosures please contact us at 269-651-9345.  Disclosures will be mailed or delivered within 10 business days upon request.

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