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.

All of Our Checking Accounts Offer:

 Online banking

 EMV Chip debit card

 Identity theft protection

 Online bill pay

 E-statements

 Telephone banking

 Mobile banking

   

 

Simply Sumner

Simply Sumner is a no-nonsense, basic, and easy-to-use personal checking account.
  • No monthly service charge
  • eStatements with images at no charge*
  • Unlimited check writing

 

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  • 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


   eSolutions

With eSolutions, you get an account that allows you to qualify to earn cash with eMoney.
  • $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

 

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  eMoney****:

  • $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

 
 
 

   Banking Boldly

Banking Boldly puts you in charge as you have an opportunity to eliminate monthly fees by using your debit card.
  • $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

 

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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

 
 

 

   Totally Sumner

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

 

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  Qualifications:
  • 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
Rewards:
  • 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