Sibley State Bank offers checking account products that "Merit" your attention!

The more things change, the more you can count on us.

We’re always up-to-date at Sibley State Bank. And we’re state-of-the art, too, with the latest technology to provide our customers with the modern conveniences that make banking easier. Yes, we have a handy ATM debit card – the modern-day replacement for writing checks. And we have conveniently located ATM machines and 24-Hour Banker Online with Bill Pay. Best of all, these services are just as "user-friendly" as our bank staff – because even though things change, you can always count on us to emphasize old-fashioned, personalized customer service.

Sibley State Bank is the name you can trust to offer consistent, high-quality service for years to come. You can count on us.

Easy Checking

• FREE from any Service Charges!
• FREE from any Minimum Balance Requirements!
• FREE from Unlimited Check Writing. No Excess Check Fees!
• FREE check Safekeeping. No Cancelled Checks to Store.
• FREE first 50 imprinted Checks with your Initial Paid Check order of Duplicate Checks

Merit Checking

• Small Minimum Balance and there is no fee. If your account falls below the minimum required, there is a monthly charge.
• NO per check charge
• Interest Bearing (call 712-754-2561 for current rates).
• First order of SSB’s custom wallet checks is FREE . Additional charge for duplicate check option applies.
• FREE ATM/Debit Card** NO ANNUAL FEE
• Unlimited SSB Transactions at our ATM machine locations.

Other Benefits

• Accidental Death Insurance
• Free Notary Service
• Authorize automatic loan payments or savings transfers from your checking account.

Extra Merit Checking

Get all the benefits of the "Merit" checking account and receive these "EXTRA" benefits.

• NO Required Minimum Balance
• NO per check charge
• FREE Sibley State Bank’s custom wallet checks – Additional charge for duplicate check option applies
• Earn a higher rate of interest with an "Extra" Merit checking account. Call for current rates 712-754-2561
• NO Charge for Personal Money Orders, and Travelers Cheques for one
• Monthly maintenance fee is applied

Golden Merit Checking

It’s a free checking account for our customers who are 50 years of age and over!

Account Features:

• NO Required Minimum Balance
• NO per check charge
• NO monthly fee
• FREE SSB’s Custom wallet check – Additional charge for duplicate check option applies
• Interest Bearing account (call 712-754-2561 for rates)
• FREE ATM Debit Card** NO ANNUAL FEE
• Other Benefits 
• No charge for Money Orders or Travelers Cheques for one
• Accidental Death Insurance

Elite Checking

It’s a checking account for those customers who would like to earn more interest on their checking account balance.

Account Features:

• It’s our highest interest bearing checking account. (call 712-754-2561 for interest rates.)
• Requires a minimum balance of $2,500.00. If the account falls below $2,500.00 a monthly fee and per item charges will apply.
• FREE ATM/Debit Card** – NO ANNUAL FEE
• FREE SSB’s custom wallet check for customers who are 50 years of age and over
• Additional charge for duplicate check option applies.
• Other Benefits
• No Charge for Personal Money Orders and Travelers Cheques for one
• Free Notary Service
• Free Photo Copies (limits apply)
• Free Stop Payments
• Free Card Lamination

PAYC

For those customers who prefer to pay as they write a check.

• NO Minimum Balance
• Will be a per item charge (chargeable items - misc debits, checks & ACH)
• FREE ATM/Debit Card** – NO ANNUAL FEE

Generals Spirit Checking

It’s a free checking account for our students up to the age 22 years of age. If they are under the age of 18 a parent or legal guardian is required to sign on the account with them.

• No Required Minimum Balance
• Unlimited check writing
• No monthly fee
• First order of “Generals Spirit” custom wallet checks are Free.
• Free ATM/Debit Card** NO ANNUAL FEE - $1.00 per transaction fee waived until age 22. (This does not include surcharges that the machine may charge)
• 24-Hour on-line banking & BillPay with parental approval if under the age of 18.

** Shazam Chek® (ATM/DEBIT CARD) – You don’t need checks when you have the "card". It is accepted at ATM locations for fast and easy access to cash, or make purchases with funds from your checking account without writing a check. Use your Shazam Chek to make all your routine purchases at VISA merchants, including telephone orders. ALL VISA MERCHANT TRANSACTIONS ARE FREE!

***Rec-Chek record keeping service available with all SSB checking accounts. Know exactly where your money goes without using a computer or calculator with easy-to-read monthly financial reports based on your own monthly expenses. For more information, call us at (712) 754-2561.

All terms and conditions subject to change.