The State Bank of Geneva

Locally owned since 1903

With what seems to be a bank on every corner, The State Bank of Geneva continues to successfully compete with larger conglomerates. "We have our roots where others have their branches", is certainly true in this time of buy-outs and mergers. The State Bank of Geneva was here yesterday, is here today, and will be here tomorrow.

 

Deposit Options

At The State Bank of Geneva, our deposit accounts are designed with you in mind. Our friendly and knowledgeable Customer Service Representatives can help you choose the account that is right for you.

Remember, at The State Bank of Geneva there are certain transactions that are unlimited and always free:

  • Withdrawals and transfers at The State Bank of Geneva ATM
  • Transactions that are received through the mail
  • In-person withdrawals and transfers that are processed by one of our Tellers
  • In person conversations with Customer Service Representatives

The State Bank of Geneva offers the following personal deposit account types:

Personal Checking

Senior Checking

Student Checking

NOW Account Checking

Passbook Savings

Money Market Account

Investors Advantage Fund

Easy Access Certificate of Deposit

Certificate of Deposit

 

 

Personal Checking

If you write a lot of checks per month and keep lower balances, Personal Checking may be for you.

  • Low minimum deposit to open: $100
  • Low minimum balances to avoid fees
  • Free ATM / Debit Card
  • Free Online Banking and Web Pay (3 transactions per month required)
  • Free, unlimited, debit access
  • Checks or check images returned monthly
  • Unlimited check writing
  • Monthly statement

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Senior Checking

Checking convenience designed for customers aged 55 or better.

  • Low minimum deposit to open: $100
  • No ongoing minimum balance requirement or monthly fees
  • Free ATM / Debit Card
  • Free Online Banking and Web Pay (3 transactions per month required)
  • Checks or check images returned monthly
  • Monthly statement

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Student Checking

Designed for children of established customers of The State Bank of Geneva 18 or younger, or any college student.

  • Low minimum deposit to open: $100
  • No ongoing minimum balance requirement or monthly fees
  • Free ATM / Debit Card
  • Free Online Banking and Web Pay (3 transactions per month required)
  • Checks or check images returned monthly
  • Unlimited check writing
  • Monthly statement

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NOW Account Checking

Our Now Account Checking is designed for customers who are looking for interest on their deposits. It is a checking account with the earning power of a savings account.

  • Low minimum deposit to open: $1,500
  • Minimum balance to avoid fees: $1,500
  • Free ATM Card / Debit Card
  • Free Online Banking and Web Pay (3 transactions per month required)
  • Unlimited check writing
  • Checks or check images returned monthly
  • Monthly statement

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Passbook Savings

A great way to start saving, this traditional account combines low balance requirements with the ability to earn interest.

  • Minimum deposit to open: $100
  • Minimum balance to avoid fees: $100
  • Competitive rate of interest
  • Free Online Banking

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Money Market Account

With a high-yield Money Market Account at The State Bank of Geneva, you'll earn investment level returns while having immediate, liquid access to your resources.

  • Minimum deposit to open: $2,500
  • Minimum balance to avoid fees: $2,500
  • Limited to three checks and three withdrawals per month
  • Checks or check images returned monthly
  • Monthly statement

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Investors Advantage Fund

Earn high rates of interest without tying up your funds.

  • Minimum deposit to open: $10,000
  • Minimum balance to avoid fees: $10,000
  • Limited to three checks and three withdrawals per month
  • Checks or check images returned monthly
  • Monthly statement

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Easy Access Certificate of Deposit

An Easy Access Certificate of Deposit is a three month Certificate of Deposit that earns a higher rate with the convenience of a Savings Account.

  • No penalty on early withdrawals after the first seven days after you establish the account
  • Unlimited withdrawals as long as you maintain a balance of $5,000
  • Unlimited deposits

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Certificate of Deposit

A Certificate of Deposit is a smart way to save when you want your money to earn more and do not need access to your savings for a specific period of time. Because each Certificate is held for an exact number of months, it's a perfect choice when you want to save money for a future purchase or retirement.

  • Competitive rates
  • Automatic renewal
  • Dividends paid into savings, checking, by check, or compounded to your Certificate of Deposit

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For further details regarding any of the above mentioned accounts, please refer to the State Bank of Geneva Disclosure and Schedule of Fees or contact a Customer Service Representative at (630) 232-3200.