Personal Checking Accounts

Our Checking Accounts are Getting an Upgrade

In a few months we will merge with Monona Bank, so we are currently revising our deposit accounts - incorporating the best features and benefits from each institution. Online applications are currently unavailable. If you would like to open a new account with us, then please contact one of our offices to come in and meet with one of our associates.

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Features Available for All Personal Accounts

Along with the following digital banking solutions, all accounts offer refunds of our fee on non-proprietary ATM transactions2, direct deposit enrollment, unlimited check writing, free eStatements5, and free personalized debit cards.



Mobile Banking

Banking all in one place ... right from the palm of your hand!

Fraud Protection

You've worked hard for your money, now let us work hard to keep it safe.

Online Banking

Have the flexibility to choose when, where and how you bank 24/7.

Online Bill Pay

Control when you want your bill to be paid. One website, one password. Your way.

Mobile Wallet

Pay quickly and conveniently at checkout in stores, online, and for in-app purchases.

Personal Financial Manager

Monitor your accounts, budget your expenses, and track your progress toward goals.

VISA Cards

Our VISA Debit Card pairs perfectly with your checking account, making handling your money convenient and safe. State Bank of Cross Plains offers personal debit and credit card options with key fraud protection features, rewards perks, digital pay, and more.

Banknotes & Resources

1 For individuals through age 24. You must convert to another checking account by age 25

2 Other financial institutions may still apply a surcharge fee

3 Interest rate is tiered. To qualify for the higher interest rate on balances $20,000 or less, you must: receive a monthly eStatement, complete at least 16 debit card purchase transactions (excluding ATM transactions), and log on to the account through personal Mobile Banking or personal Online Banking each statement cycle. Balances above $20,000 and accounts not meeting the requirements will earn a lower rate of interest. Limit of one Prestige Checking account per individual.

This is not a line of credit. An overdraft fee of $35 for each overdraft item paid up to a maximum of $140 per day. An overdraft fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Any overdrawn balance, including fees, will need to be repaid immediately without notice or demand from us.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. For more information refer to the Overdraft Privilege Policy section within the Account Fees & Options link.

5Paper Statements are available on all the above checking products for a $3 fee. No $3 fee for seniors age 62 or above. Statements with images are $5 for all customers.