Personal Checking Accounts
Personal Checking Accounts That Earn More
Experience flexible, high-yield checking accounts at State Savings Bank. Whether you're looking for free checking, rewards checking, or interest-bearing accounts, we offer secure, FDIC-insured options designed for every lifestyle. Enjoy premium perks, easy mobile banking access, and no monthly fees. Perfect for managing your finances anytime, anywhere.
| Account Type | Minimum to Open | Minimum Balance Requirement | Minimum Balance Fee* | Interest Earned | Statement Delivery Method |
|---|---|---|---|---|---|
| e-Checking | None | None | None | No | e-Statements are provided at no charge, paper statements are available for $5/statement. |
| Classic Checking | $300.00 | $300.00 | $8.00 | No | e-Statements are recommended, paper statements are available at no charge. |
| NOW Account | $700.00 | $700.00 | $10.00 | Yes | e-Statements are recommended, paper statements are available at no charge. |
| SSB Select Checking** | $5,000.00 | $5,000.00 | $10.00 | Yes | e-Statements are recommended, paper statements are available at no charge. |
| Rewards Checking*** | None | None | None | Yes | e-Statements are provided at no charge, paper statements are available for $5/statement. |
*For accounts with a minimum balance requirement, no minimum balance fee will be charged unless the balance falls below the required minimum balance on any day of the statement cycle. Classic Checking minimum account balance requirements are waived for customers 65 years of age or older. Checking fees are subject to Iowa state sales tax.
**SSB Select Checking accounts include free cashier's checks and money orders.
***Only one Rewards Checking account allowed per primary account holder.
Key Checking Options
e‑Checking Account
- No minimum opening deposit or balance requirement.
- No monthly fee.
- Free e‑statements; paper statements available for $5.
Classic Checking
- $300 to open, $300 daily minimum (waived for customers 65+).
- $8 monthly fee if balance falls below the requirement.
- No interest.
NOW Account
- Opens with $700 and requires $700 daily balance.
- $10 fee if balance dips.
- Earns interest, compounded daily and credited monthly.
SSB Select Checking
- $5,000 to open and maintain.
- $10 fee if balance dips below.
- Includes free cashier’s checks and money orders.
- Interest‑bearing.
Rewards Checking
- No minimum to open or maintain.
- Variable high APY (up to ~4 %) depending on balance and activity.
- Requires meeting transaction qualifiers: 15+ debit card purchases; 5+ ACH or bill‑pay transactions, or a direct deposit; otherwise, no interest is earned.
Convenience Meets Innovation
Easily manage your checking account anytime, anywhere with State Savings Bank’s secure online and mobile banking tools. Access balances, transfer funds, pay bills, and more. All from your phone or desktop.
Online and Mobile Banking
View account balances and statements, transfer money (even to other banks), schedule bill payments, see check images, export data, and more, all with ease.
Mobile App and Bill Pay
Deposit checks, pay bills online, transfer funds, and monitor your spending, all from your smartphone with State Savings Bank’s mobile banking app.
Convenience Services
Get convenient access to money orders, cashier’s checks, stop payments, wire transfers, night deposit services, and more, making everyday banking quick and hassle-free.
Why Choose State Savings Bank?
As a locally trusted, FDIC‑insured Iowa bank, SSB blends personal, community‑focused service with modern banking tools and competitive rates. You’re not just another customer—you’re our neighbor.
Open Your Account Today
Ready to experience checking that works harder for you? Open your account now or visit our West Des Moines or Baxter branch to compare plans and get assistance from our friendly team.
