Personal Banking – What We Offer2019-04-17T19:11:25-06:00

Personal Deposit Accounts

At The State Bank of Geneva, our deposit accounts are designed with you in mind. Our friendly and knowledgeable Relationship Bankers can help you choose the account right for you.

Remember, at The State Bank of Geneva there are certain transactions and services that are offered at no charge to you:

  • ATM/Debit Cards
  • Access to over 45,000 surcharge-free ATM’s displaying the STARsf and/or the MoneyPass logos
  • Online banking with bill pay option*
  • Mobile banking*
  • Remote deposit capture for consumer accounts*
  • E-statements
  • Withdrawals and transfers at The State Bank of Geneva ATM*
  • Transactions that are received through the mail
  • In-person withdrawals and transfers that are processed by one of our Tellers
  • In person conversations with Relationship Bankers and/or Tellers

*Applies only if the service is offered

The State Bank of Geneva offers the following personal deposit account types:

Express Checking
Personal Checking
Student Checking
Senior Checking
NOW Checking

Investors Advantage Money Market

Statement Savings
Passbook Savings

Easy Access Certificate of Deposit
Certificate of Deposit

A service charge free alternative to Personal Checking.

No monthly minimum balance is required if a direct deposit is linked to this account.

  • Free ATM / Debit Card (required)
  • Free online banking (required)
  • Low minimum deposit to open: $100
  • Free bill pay*
  • Free mobile banking
  • Free consumer remote deposit capture
  • Free monthly paper statement or e-statements

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

*May be subject to an additional fee for expedited payments. Some restrictions apply. 

If you write a lot of checks per month and keep lower balances, Personal Checking may be for you.

  • Low minimum deposit to open: $100
  • Tiered minimum balances to avoid fees
  • Free ATM / Debit Card
  • Free online banking and bill pay*
  • Free mobile banking
  • Free consumer remote deposit capture
  • Check images returned monthly
  • Unlimited check writing
  • Free monthly paper statement or e-statements

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

*May be subject to an additional fee for expedited payments. Some restrictions apply. 

Designed for children or young adults of established customers of The State Bank of Geneva, ages 13-17, or any college student.

  • A parent must be a signer on the account (age 13-17)
  • Low minimum deposit to open: $100
  • No ongoing minimum balance requirements or monthly fees
  • Free ATM / Debit Card (some balance limitations may apply)
  • Free online banking and bill pay*
  • Free mobile banking
  • Free consumer remote deposit capture
  • Check images returned monthly
  • Unlimited check writing
  • Free monthly paper statement or e-statements

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

*May be subject to an additional fee for expedited payments. Some restrictions apply. 

Checking convenience designed for clients aged 55 or better.

  • Low minimum deposit to open: $100
  • No ongoing minimum balance requirement or monthly fees
  • Free ATM / Debit Card
  • Free online banking and bill pay*
  • Free mobile banking
  • Free consumer remote deposit capture
  • Checks images returned monthly
  • Free monthly paper statement or e-statements

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

*May be subject to an additional fee for expedited payments. Some restrictions apply. 

Our NOW Checking account is designed for clients who want to earn interest on their deposits. A NOW account is a checking account with the earning power of a savings account.

  • Minimum deposit to open: $1,500
  • Minimum balance to avoid fees: $1,500
  • Free ATM / Debit Card
  • Free online banking and bill pay*
  • Free mobile banking
  • Free consumer remote deposit capture
  • Check images returned monthly
  • Unlimited check writing
  • Free monthly paper statement or e-statements
  • Interest compounded monthly

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

*May be subject to an additional fee for expedited payments. Some restrictions apply. 

Earn competitive interest rates without tying up your funds. With this account, the more you save the more you earn.

  • Minimum deposit to open: $2,500
  • Minimum balance to avoid fees: $2,500
  • Interest compounded monthly
  • Tiered balance options
  • Free online banking
  • Free mobile banking
  • Transaction limitations apply
  • Check images returned monthly
  • Free monthly paper statements or e-statements

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

This account offers the same low balance requirements and interest earning options as a traditional Passbook Savings account with the convenience of monthly paper statement or e-statement.

  • Low minimum deposit to open: $100
  • Low minimum balance to avoid fees: $100
  • Competitive rate of interest
  • Free online banking
  • Free mobile banking
  • Transaction limitations apply
  • Interest compounded monthly
  • Free monthly paper statement or e-statements

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

A great way to start saving, this traditional account combines low balance requirements with the ability to earn interest.

  • Minimum deposit to open: $100
  • Minimum balance to avoid fees: $100
  • Competitive rate of interest
  • Free online banking
  • Free mobile banking
  • Transaction limitations apply
  • Interest compounded quarterly

For more information or to make an appointment, please call us at (630) 232-3223 or reach out by email.

An Easy Access Certificate of Deposit is a three month Certificate of Deposit that earns a higher rate with the convenience of a Savings Account.

  • No penalty on early withdrawals after the first seven days after you establish the account
  • Unlimited withdrawals as long as you maintain a balance of $5,000
  • Unlimited deposits
  • Interest compounded monthly

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

A Certificate of Deposit is a smart way to save when you want your money to earn more and do not need access to your savings for a specific period of time. Because each Certificate is held for an exact number of months, it’s a perfect choice when you want to save money for a future purchase or retirement.

  • Competitive rates
  • Automatic renewal
  • Interest paid into savings, checking, by check, or compounded to your certificate of deposit
  • Interest is compounded monthly (6 Month CD); $2,500 minimum to open
  • Interest is compounded monthly (12 Months-60 Months); $1,000 minimum to open
  • Interest is compounded monthly (6 Months-60 Months); $90,000 minimum to open

For more information or to make an appointment, please call us at (630) 232-3201 or reach out by email.

Learn Even More About Our Banking Services

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If you have specific account questions or requests, please use our secure email system HERE.

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