Checking Accounts
A checking account is one of the best ways to have simple, safe, and convenient access to your money.
We offer a variety of accounts to best fit your personal or commercial needs.
Personal Checking
Free Checking
A FREE personal checking account that provides both the convenience of paying by check and the ability to access your statement online.
Opening deposit: $100.00
No monthly maintenance fee
- E-statements only
- Unlimited check writing
- No check images in statements
- Debit card
- Surcharge free ATM networks*
Regular Checking
A standard personal checking account that provides both the convenience of paying by check and the receipt of a mailed monthly statement.
Opening deposit: $100.00
$5.00 monthly maintenance fee
- E-statements & mailed monthly statements
- Unlimited check writing
- No check images in statements
- Debit card
- Surcharge free ATM networks*
Sundowner Checking
A personal checking account that offers unlimited check writing where service charges are based on the daily balance during the month.
Opening deposit: $100.00
$5.00 monthly maintenance fee
- $7.50 per month service charge if balance falls below $1,000.00
- E-statements & mailed monthly statements
- Unlimited check writing
- Check images included in statements
- Debit card
- Surcharge free ATM networks*
Cowboy Club Checking
A deluxe checking account with additional benefits for more convenience, rewards, discounts, protections, and advanced services.
Opening deposit: $100.00
Single coverage: $11.00
Joint coverage: $12.00
Family coverage: $13.00$2.00 senior discount (65+)
- E-statements & mailed monthly statements
- Unlimited check writing
- Free club checks
- Check images included in statements
- Free cashier’s checks
- Free notary service
- 20% discount on safe deposit box
- Accidental death insurance policy
- Savers club package
- Payment card protection
- Identity theft insurance with fraud assist
- Cash back rewards
- CardPatrol with SSN monitoring
- Automatic savings plan
- Surcharge free ATM networks*
*at Sundown State Bank, Shazam Privileged, and MoneyPass ATM networks
Business Checking
Business Checking
A low-cost commercial checking account with specialized services for your business.
Opening deposit: $500.00
$10.00 monthly service charge if minimum balance falls below $1,000.00
- E-statements & mailed monthly statements
- Unlimited check writing
- Check images included in statements
- Business debit card
- Positive Pay
- Payroll ACH
- Surcharge free ATM networks*
*at Sundown State Bank, Shazam Privileged, and MoneyPass ATM networks
Need to report a lost/stolen card or fraud?
Find contact phone numbers for 24/7 reporting or call your local branch during business hours