Easy Checking

Account Features:

  • Free from any service charges
  • Free from any minimum balance requirements
  • Free from unlimited check writing and no excess check fees
  • Free check safekeeping
  • Free first 50 imprinted checks with your initial paid check order of duplicate checks

Merit Checking

Account Features:

  • 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.

Account Features:

  • 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
  • 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
  • Accidental death insurance

General's 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.

Account Features:

  • No required minimum balance
  • Unlimited check writing
  • No monthly fee
  • First order of “General's Spirit” custom wallet checks are free
  • Free ATM/debit card** no annual fee
  • 24-Hour on-line banking & billPay with parental approval if under the age of 18

** Sibley State Bank 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 Sibley State Bank ATM/Debit Card to make all your routine purchases at VISA merchants, including telephone orders. ALL VISA MERCHANT TRANSACTIONS ARE FREE!

All terms and conditions subject to change.