Sturgis Bank Checking

Personal Checking Accounts

Accounts with Features to Help You Thrive

Our selection of Thrive accounts includes various features to suit your lifestyle. From Thrive Rewards Checking, which pays high interest, to Thrive Savings, which links to either of our available Thrive Checking accounts for effortless saving, it’s easy to thrive as you’re rewarded for spending or saving. 

Browse Thrive Accounts

Not sure where to start? Stop into your local Sturgis Bank branch and speak with a Personal Banker. 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

Feature Oak Value Checking Secure Checking Oak Senior Checking

Opening Deposit

$100

$50

$100

Minimum Balance to Avoid Service Fee

$2,500 with paper statement
$100 with eStatement

None

$100

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

Interest 2

No

Yes

No

Visa® Check Card 4

Free

Free

Free

Online Banking and BillPay

Free

Free

Free

Telebank

Free

Free

Free

Overdraft Protection 3

Available

Available

Available

Overdraft Forgiveness 5

No

Yes

No

ATM Reimbursement 6

No

Yes

No

eStatements

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 

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 2 No

Visa® Check Card 4 Free

Online Banking and BillPay Free

Telebank Free

Overdraft Protection 3 Available

Overdraft Forgiveness No

ATM Reimbursement 6 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 2 Yes

Visa® Check Card 4 Free

Online Banking and BillPay Free

Telebank Free

Overdraft Protection 3 Available

Overdraft Forgiveness Yes

ATM Reimbursement 6 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 2 No

Visa® Check Card 4 Free

Online Banking and BillPay Free

Telebank Free

Overdraft Protection 3 Available

Overdraft Forgiveness No

ATM Reimbursement6 No

eStatements Available

 

Contact Us

1 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.

2 Call (888) 255-7372 for current interest rates

3 Subject to credit approval

4 Non-proprietary ATM fees may apply

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

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

 

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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