Personal Checking with Rewards

Rewards, rewards, rewards. By having a checking account with us, you'll earn rewards that you can spend however you like at UChooseRewards.com. Reward yourself with travel, gift cards, cash—whatever you wish—as an added perk of being our customer. You can also earn interest every month, receive cash reimbursements on foreign ATMs and enjoy several other advantages.

A great relationship with your bank. That's just one of many perks that come with opening a checking account with us. As your hometown bank, we promise to deliver a more personalized, professional approach to serving you.

Use our handy tool to decide which account works best for you.

Life is busy and mistakes happen. Protecting your account is easy with any of the various overdraft protection options we offer. Not sure about overdrafts and what they could mean to you? Watch our short video in our Online Education Center or click here for more information on What You Need To Know About Overdrafts and Overdraft Fees.

  • Line of Credit - Funds automatically advance to your checking account.
  • Automatic Transfers - Funds are automatically transferred to the designated checking account to bring your account to a positive balance.
  • Opt In to authorize payment of negative balance ATM or debit card transactions.

Contact a Personal Banker to decide which option is best for you and set-up your account.

 
 
Rewards

Checking

Choice Rewards

Checking

Premier Rewards

Checking

Minimum Open Deposit

$100.00

$100.00

$100.00

Monthly Service Charge

$3.95

$12.00

$15.00

 

Performing any one of the following options will avoid the monthly Service Charge

Visa® Debit Card Transactions

10 Visa® debit card transactions posted
and cleared per statement cycle

15 Visa® debit card transactions posted
and cleared per
statement cycle

No Requirement

Minimum Daily Balance1

$500.00 Minimum 
Daily Balance

$1,500.00 Minimum 
Daily Balance

$20,000.00 in
SNB deposits

Total Deposit Relationship2

$1,500.00 in
SNB deposits

$5,000.00 in
SNB deposits

$20,000.00 in
SNB deposits

 

Benefits

Interest

Not Available

$1,500.00 Minimum Daily Balance to earn interest

$1,500.00 Minimum Daily Balance to earn interest

Paper Checks

Available at list price

Available at list price

Free bank logo checks

Paper Statement

$2.95

FREE

FREE

Electronic Statement

FREE

FREE

FREE

Online Banking

FREE

FREE

FREE

Mobile Banking

FREE

FREE

FREE

Account Alerts

FREE

FREE

FREE

Bill Pay

FREE

FREE

FREE

PopMoney

FREE

FREE

FREE

SNB ATM Withdrawals

FREE

FREE

FREE

Foreign ATM Withdrawals

Usage Fees Apply

Up to $10.00 reimbursement per statement cycle

Up to $20.00 reimbursement per statement cycle

Consumer Loan Discounts

0.50% w/ Autopay from SNB account

0.50% w/ Autopay from SNB account

0.50% w/ Autopay from SNB account

Mortgage Closing Cost Credit3

$250 credit on
closing costs for refinance or home loan greater than $100,000

$250 credit on
closing costs for refinance or home loan greater than $100,000

$250 credit on
closing costs for refinance or home loan greater than $100,000

Safe Deposit Box

Available at list price

$30.00 Credit First Year

$30.00 Credit First Year

Money Orders / Cashier's Checks

Available at list price

Available at list price

Available at list price

 

UChoose Rewards®4

Online Banking Enrollment

500 points

500 points

500 points

Mobile Banking Enrollment

500 points

500 points

500 points

eStatement Enrollment

500 points

500 points

500 points

New Consumer Loan

2,500 points

2,500 points

2,500 points

New Consumer Deposit Account

500 points

500 points

500 points

Birthday
(up to 3 account owners)

500 points

500 points

500 points

Online Bill Pay

30 points per bill pay
up to 500 points per statement cycle

30 points per bill pay
up to 500 points per statement cycle

30 points per bill pay
up to 500 points per statement cycle

POS Signature Purchases

1 point for every $2.00

1 point for every $2.00

1 point for every $2.00

POS PIN Purchases

1 point for every $4.00

1 point for every $4.00

1 point for every $4.00

1 Minimum Daily Balance: The lowest balance in your account on any day of the statement cycle.

2 The Total Deposit Relationship is the Minimum Daily Balance in your checking account plus the current balance of all other deposit accounts you have with us on the statement cycle date of your checking account.

3 Mortgage closing cost credit applies to primary residences only. Cannot be combined with other discounts/promotional offers or exceed fees charged by SNB. Valid for loans closed by SNB Mortgage department only. Visit with an SNB Mortgage Consultant for complete details.

4SNB reserves the right to modify the points and rewards without prior notification.