Personal Checking Accounts

Find the Checking Account for You

Today, everyone is looking for convenient and flexible ways to handle their money. At State Bank of Cross Plains, we understand that different lifestyles have different needs, which is why we have checking account options for everyone, no matter where they are in life. Explore our Personal Checking Accounts below and apply for yours online today.

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Bonus Checking1 is a highly convenient account for young people starting their financial life.

  • No minimum opening balance 
  • No monthly maintenance fee 
  • Earn uChoose Rewards points when you use your Free Debit Card
  • And more... 

Direct Checking is a convenient checking account for everyday banking needs

  • No Minimum Opening Balance 
  • $700 Overdraft Privilege available, fees may apply4
  • $5 Monthly Maintenance Fee  *No fee for seniors age 62 or above
  • And more... 

A debit rewards program with unlimited transaction capabilities

  • No minimum opening balance 
  • Earn uChoose Rewards points when you use your Debit Card 
  • $1,000 Overdraft Privilege available, fees may apply4
  • Courtesy Checks at account opening
  • And more... 

To earn a great rate when minimum requirements3 are met each month.

  • No minimum opening balance 
  • Earns Interest3
  • $1,500 Overdraft Privilege available, fees may apply4
  • Retirement Readiness Review
  • Free money orders & cashier's checks
  • And more... 

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.

4 This is not a line of credit. An overdraft fee of $35 per item applies. There is no limit to the number of overdraft fees we may assess per day. An overdraft fee of $25 for a continued negative balance will be assessed on the 10th and 15th business days. 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, is due and payable upon demand and should be paid no later than 30 days after the overdraft occurred. 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.