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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

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Find contact phone numbers for 24/7 reporting or call your local branch during business hours
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