Prestige Checking

An interest-ing proposition

Earn interest on your balance when minimum requirements2 are met each month

Want a relationship with benefits? When you sign up for a minimum number of services with SBCP, you’ll be eligible to earn interest on your Prestige Checking account. You will also get:
  • Retirement Readiness Review
  • FREE Money orders & cashier’s checks
  • FREE online & mobile banking including mobile deposit
  • Refund of our fee on non-proprietary ATM transactions3
  • $1,500 Overdraft Privilege available, fees may apply4
  • 4 or more qualifying services5 or $50,000 combined deposit account balances6 to waive $15 Monthly Maintenance Fee

Open a Prestige Checking Account Online

Easily open a Prestige Checking Account Online or reach out to us to learn more about our Private Banking services.

Banking that’s not just Personal. It’s Personalized.

Account Alerts

Staying on track with your finances has never been easier. With alerts, you know the moment something important happens on your accounts.

Online Bill Pay

Simply the best way to manage your payments including account to account transfers, reminders, automatic payments and more.


Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money.

Private Banking

The State Bank of Cross Plains Private Banking program provides premium benefits and services based on personalized attention.

Home Equity

Whether you need it for the dream vacation or the dream kitchen, tapping into your home's equity can help make your dream a reality.

Financial Planning1

Although the future is unknown, planning is the best means by which we exercise control over our destinies. Our Financial Planners understand the complex needs of individuals and couples from all walks of life. 1Investment products are Not FDIC Insured, Not Bank Guaranteed and May Lose Value

Banknotes & Resources

2Interest 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.
3 Other financial institutions may still apply a surcharge fee
4 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.
5 Choosing 4 qualifying services means 4 different services noted below. For example: 3 Certificates of Deposit = 1 qualifying service. Qualifying Services are determined based on the primary taxpayer identification number assigned to the Custom Rewards Checking or Prestige Checking and include any services listed under Qualifying Services where the person is considered an account owner. The number of services are calculated as of the last business day of the previous calendar month. Credit for a Business Checking account is limited to the business owner(s). If adding a VISA Credit Card, Business Checking or Investments after opening a Custom Rewards Checking or Prestige Checking, please notify your personal banker to have your checking account reflect the additional services.
  • Personal and Junior Savings
  • VISA Debit Card
  • Direct Deposit 7
  • eStatement
  • Business Checking 8
  • Certificates of Deposit
  • Consumer Installment loan
  • Home Loan 9
  • Home Equity Loan
  • VISA Credit Card
  • Premium Plus Money Market Account
  • Investments with Financial Advisory or Wealth Management
  • Agricultural Loan
6 Combined Deposit Account Balances are calculated based on the primary taxpayer identification number assigned to the Custom Rewards Checking or Prestige Checking and includes the balance in this account along with the balances of any accounts listed under Combined Deposit Account Balances where the person is considered an account owner. Account balances are determined using the previous calendar month end average balance and the account must be open on the last business day of the month to be included. Combined Deposit Account Balances include
  • Personal and Junior Savings
  • Premium Plus Money Market Account
  • Certificates of Deposit
  • IRAs
7 Direct Deposit must be made to the Custom Rewards Checking or Prestige Checking in order to count as a service for the account.
8 Business Checking will count as a Qualifying Service for the owners of a Sole Proprietor, Limited Liability Corporation, or a Partnership.
9 Serviced by the State Bank of Cross Plains.