Personal Checking

At Sumner Bank & Trust, we believe that everybody should have the option to manage their finances in a way that is suitable for them. All of our checking accounts offer a broad spectrum of options.

 Online banking

 EMV Chip debit card

 Identity theft protection

 Online bill pay

 E-statements

 Telephone banking

 Mobile banking

• No monthly service charge

• eStatements with images at no charge*

• Unlimited check writing

• First order of 50 checks at no charge**

• Up to 2 Mobile Deposit fees refunded per statement cycle

    * Paper Statements are $3 per statement cycle (refunded if age 50 or over)      
    ** Simply Sumner checks at no charge if age 50 or over

• $5 monthly service charge*

• eStatements with images at no charge **

• Up to 5 checks (including paper drafts) per statement cycle at no charge ***

• Up to 4 ATM surcharge refunds per statement cycle

• Up to 4 Mobile Deposit fees refunded per statement cycle

• Earn cash with eMoney when requirements are met per statement cycle (Cash earned is subject to 1099 reporting) 
  

• $2 Cash if you have at least one ACH debit or ACH credit per statement cycle

• $3 Cash if no ATM surcharge refunds are needed per statement cycle 

• $2 Cash if you spend at least $750 with your debit card -OR- $3 Cash if you spend at least $1,200 with your debit card *****

* Service charge refunded if under age 25
** Paper Statements are $3 per statement cycle
*** Each additional paper item incurs a $0.50 charge per item

**** eMoney will be credited to the account at the end of each statement cycle
***** Debit card transactions must post and clear within a statement cycle

• $10 monthly service charge*

• eStatements with images at no charge **

• Up to 15 checks (including paper drafts) per statement cycle at no charge ***

• First order of standard checks at no charge

• Up to 4 ATM surcharge refunds per statement cycle

• Up to 6 Mobile Deposit fees refunded per statement cycle

• Higher rate of interest on balances up to $10,000 when qualifications are met per statement cycle

Qualifications:

• Enrollment in monthly eStatements
• At least one ACH debit or ACH credit per statement cycle
• At least 15 debit card purchases post and clear per statement cycle

* Service charge refunded if qualifications are met
** Paper Statements are $3 per statement cycle
*** Each additional paper item incurs a $0.50 charge per item

If you have a checking account, savings account, and loan with us, you are Totally Sumner. With Totally Sumner, you can earn an even higher rate of interest.

• $15 monthly service charge*

• eStatements with images at no charge **

• Unlimited check writing

• Totally Sumner checks at no charge

• Up to 5 ATM surcharge refunds per statement cycle

• Up to 8 Mobile Deposit fees refunded per statement cycle

• Higher rate of Interest and Relationship Rewards available if qualifications are met per statement cycle

• At least one ACH debit or ACH credit per statement cycle

• At least 15 debit card purchases post and clear per statement cycle 

• $20,000 or more in a Sumner Bank & Trust savings account

• $30,000 or more in outstanding loan balances with Sumner Bank & Trust

• Meet any 2 qualifications: Receive $3 paper statement refund

• Meet any 3 qualifications: earn a high rate of interest on balances up to $20,000

• Meet all 4 qualifications:  earn a higher rate of interest on balances up to $20,000

* Service charge refunded if current month-to-date average available balance on checking or savings or current principal on loans is more than $15,000 individually or combined 
** Paper Statements are $3 per statement cycle