1Other charges such as non-sufficient funds, overdraft, continuous overdraft charges, etc. may apply. See our service charge schedule for details. Minimum opening deposit is only $50. Other restrictions may apply. 

2Insurance products are not deposits, not FDIC insured, not insured by any federal government agency, and not guaranteed by the bank.

3$10,000 Accidental Death and Dismemberment Insurance coverage is provided at no additional charge. Total coverage splits evenly among all authorized signers as indicated on the account opening signature cards. 

4Buy back of $10 for debit cards and unused checks from another financial institution will be credited to the account at the time the checks/debit cards are presented. Buy back and free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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The Stephenson National Bank & Trust
Member FDIC | Equal Housing Lender
The Stephenson National Bank & Trust
  • FREE first box of standard checks
  • FREE debit card
  • FREE digital banking
  • FREE bill pay
  • FREE mobile banking with mobile deposit
  • FREE thank you gift
  • FREE gifts for referring others
  • RECEIVE $10 when we buy back your debit card and unused checks from another financial institution4

Simply Free Checking

  • No minimum balance 
  • No monthly service charge1
  • eStatements only

A FREE account for anyone.

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Benefits Checking

  • Cell phone protection2
  • CyberScout® identity theft resolution
  • Roadside assistance
  • $10,000 accidental death and dismemberment insurance2,3
  • Shopping, dining, and travel discounts
  • Only $6.95 per month1
  • FREE eStatements

The account with everything and then some.

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Every new checking account includes:

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