Checking and Savings Solutions

Looking for a checking or savings account that meets your lifestyle? At State Bank of Lizton, we realize that each customer is unique and we have designed our account packages to meet your needs. As your life changes, we also offer a way for you to upgrade the value on your account. At State Bank of Lizton we believe in providing you with access to a wide range of financial services to help manage your money.

***Notice*** To comply with recent regulatory changes, all financial institutions are no longer allowed to include overdraft account balances or transfer account balances as part of your available checking account balance. If you have any questions, please contact us at 317-994-5115 or info@statebankoflizton.com, or your nearest State Bank of Lizton location. We appreciate your business and will be happy to help you.

• Personal Checking
  • SBL Easy Checking
  • SBL Easy Student Checking
  • Smart Pack
  • SBL High Growth Checking
  • SBL Legacy Checking
    • SBL Legacy Benefits Activation
• Personal Savings
  • SBL Statement Savings
  • SBL Money Market Select Account
  • SBL Premium Money Market Account
  • Holiday Club Savings
  • Youth Savings
• Certificates of Deposit
• Health Savings Accounts

Click here for our Checking Account brochure.
Click here for our Savings Account brochure.
The Checking Account brochure and Savings Account Brochure are in Adobe Acrobat® (PDF) format and require Acrobat Reader. If you do not have Adobe installed, please click on the icon for a free download.

Available on ALL checking accounts:

Features included on ALL SBL checking accounts:

• VISA Debit Card¹
• Unlimited SBL ATM transactions
• Low minimum opening deposit of $50
• Unlimited check writing
• Free NetTeller Online Banking and Bill Pay²
• Go Green - you will receive e-statements, e-notices, e-alerts and online check images³

Security Package:

• IDProtectALL includes Identity Guard® Credit Monitoring (free for six months with the option to continue or upgrade your package, at a cost).⁴
• No Annual Fee Visa Credit Card (based on credit approval)
• No Annual Fee Small Safe Deposit Box Rental For One Year (based on availability)

¹ Based on credit approval. ² Online Banking and Bill Pay must be activated within 30 days and Bill Pay must be utilized once every 60 days to avoid cancellation of service. ³ E-statements, e-notices, e-alerts and online check images must be activated to be accessed. ⁴ Customer must activate free credit monitoring service within 30 days. Customer must agree to continue service or upgrade service at a cost. There is not an automatic renewal. Identity Theft Protection, Payment Card Protection and Identity Recovery and Restoration are available at no charge as long as the account is active. Identity Recovery and Restoration is a reactive service, i.e. if the account holder experiences identity theft, then he/she uses this service. Personal identity protection ranges from $1000 to $2500 depending on the type of account.

Go green with e-statements, e-notices, e-alerts and online check images.

Personal Checking

May we suggest...

SBL Easy Checking

Looking for a simple and easy checking program? This is it! Enjoy no minimum monthly service charge and unlimited checking. You can set up e-notices and e-alerts to yourself, receive e-statements and view all of your check images online!

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SBL Easy Student Checking

All the benefits of Easy Checking plus when you add the Smart Pack, you receive the benefits at a student discount. Ask us for details!

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May we suggest...

Smart Pack

For our student customers and others who like to be able to access their money anywhere and transfer funds between banks, we suggest the Smart Pack. It also comes with an annual fee waiver for our SBL Cash Reserve Line of Credit (credit approval required).

• Up to $10 in ATM fees reimbursed per month¹
• Up to 4 bank to bank transfers per month (from another financial institution)¹
• SBL Cash Reserve Line of Credit with no annual fee²

¹ ATM fees will be automatically reimbursed (foreign and SBL); parent must be signer on account if less than 18 years of age. Parent must initiate bank to bank transfer with student account. ² Credit approval required for Line of Credit and debit card. Must be at least 18 years of age to apply for SBL Cash Reserve line of credit. There will be a charge for paper statements.

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SBL High Growth Checking

Reward yourself for making a smart choice with State Bank of Lizton's High Growth Checking. You can earn 3.00% APY* and free nationwide ATM usage!

Here's how it works:

To earn the 3.00% APY* reward:

• Utilize your debit card at least 12 times a month in a signature based transaction (not PIN).
• Initiate a monthly direct deposit or have a payment directly paid from this checking account
• Access NetTeller Online Banking and pay one bill at least once a month

If in any month you don't meet all the activity and electronic usage requirements, you will still receive .10% Annual Percentage Yield on your entire balance!

*APY-Annual Percentage Yield. Effective May 1, 2010. Must meet minimum monthly activity requirements for each month to receive the higher interest rate and ATM fee refunds for that time period. 3.00% APY paid on balances up to $25,000, .75% APY paid on balances greater than $25,000 and .10% paid on accounts that fail to meet the minimum monthly activity requirements. Rates and terms may change after account opening. ATM fees will be reimbursed automatically (foreign and SBL). Fees may reduce earnings on the account. There will be a charge for paper statements.

SBL Legacy Checking

Build a legacy for your future with this great checking package filled with extra benefits. You can even share some of the benefits with your family members or friends...so you can help take care of those you love. This interest bearing account offers tiered interest rates for higher balances and valuable savings for you.

• Maintain a $1,000 minimum daily balance to earn interest
• Enjoy higher rates for higher balances with 3 tiered rates ($1,000 - 24,999; $25,000 - 99,9999; $100,000 plus)
• Receive a waiver of the $7 monthly fee with a $25,000 LFS investment account*** OR $25,000 in combined balances in checking, savings, CDs, IRAs OR with $25,000 in total loans with SBL
  Fees could reduce earnings on account

Additional Bonuses:

Receive all the benefits of the Smart Pack plus:

• One complimentary order of checks per year!**
• .25% bump increase on CDs (excluding specials)**
• Personal identity protection up to $2,500
• No fee cashiers checks and money orders
• $15,000 Travel Accidental Death Insurance
• Online discounts for dining, shopping, travel and hotel, and car rental plus emergency travel assistance services
• $25 off loan origination fees on consumer loans with automatic payments from your SBL Legacy account²

**Items with two stars can be shared.
¹Complimentary order of checks are bank selected.
²Credit approval required. There will be a charge for paper statements.

SBL Legacy Benefits Activation

Save hundreds of dollars a year with this unique checking account's benefits.

• Receive IDProtectALL program¹
• Activate your Gold Member Card for discounts on dining, travel, shopping and more!
• Register your credit card for automatic card cancellation if lost or stolen
• Receive up to $2,500 in personal identity protection

To activate, visit State Bank of Lizton's website, click on the Gold Card and simply sign in to member headquarters at www.memberheadquarters.com.

Legacy Checking Travel And Leisure Benefits:

• Identity Guard Credit Monitoring
• $15,000 Travel Accidental Death Insurance
• Payment Card and Personal Identity Protection
• Travel and Entertainment Discounts
• Dining Savings
• Online Shopping Discounts

Additional Discounts:
Preferred rates at several of the nation's largest condo resort rental companies are available to members. Also, golf savings, theme park discounts, and ski and snowboard savings. Estimated Annual Value of $275.

¹Must be activated within 30 days

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Personal Savings

For our Easy and Easy Student customers, may we suggest...

SBL Statement Savings

We know that keeping your checking and savings accounts together makes life simpler. To encourage a solid savings habit, this account requires a small $25 deposit to open and can be set up on an automatic deposit. When combined with our Easy Checking or Easy Student Checking, the monthly minimum balance requirement is waived. Only $25 to open.

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For our High Growth and Legacy customers, may we suggest...

SBL Money Market Select

• $50 minimum deposit to open
• No more than 6 transfers can be made during each thirty (30) day statement cycle by pre-authorized transfer, automatic transfer or telephone transfer. Of these six (6) transfers, no more than three (3) can be by check, written to a third party.
• An unlimited number of withdrawals can be made from this account if done in person at the bank.
• Six (6) withdrawals allowed per month. $10.00 for each debit transaction in excess of six during a statement cycle.
• Interest compounded and credited monthly
• Rate for each tier established by the Bank based on current market conditions and subject to change
• $2,500 minimum daily balance required to avoid $7.00 monthly service charge

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SBL Premium Money Market Account

• $25,000 minimum to open account
• No more than 6 transfers can be made during each thirty (30) day statement cycle by pre-authorized transfer, automatic transfer or telephone transfer. Of these six (6) transfers, no more than three (3) can be by check, written to a third party.
• An unlimited number of withdrawals can be made from this account if done in person at the bank.
• Six (6) withdrawals allowed per month. $10.00 for each debit transaction in excess of six during a statement cycle.
• Interest compounded and credited monthly
• Rate for each tier established by the Bank based on current market conditions and subject to change
• $25,000 minimum daily balance required to avoid $10.00 monthly service charge

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Holiday Club Savings

Holiday Club Savings is an easy and ideal way to save for holiday shopping.

• $5 monthly, semi monthly, or weekly minimum
• Deposits can be made in person, by mail, or by automatic transfer from your savings or checking account
• Automatic funds transfer pays a higher interest rate

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Youth Savings

Youth Savings is an account designed for youth up to age 18.

• No minimum balance required
• No monthly service fee

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Certificates of Deposit

If you don’t need access to your savings right way, and want the highest return on your money you may consider our 3, 6, or 12 month term CD (longer terms are available).

Click here for our rates.

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