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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 accounts to meet your needs. All of our personal checking accounts offer unlimited checking, free NetTeller online banking and Touch24 telephone banking services, and a free annual financial review. 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.
 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
requires Acrobat Reader. If you do not have Adobe installed, please
click on the icon for a free download.
Platinum Checking is our best checking account. This account is for the customer who is looking for the best in features, benefits and value. Choose Platinum Checking and you’ll receive:
- Unlimited checking!
- Platinum Checking checks*!
- VISA ATM/Check card*!
- 3 x 5 safe deposit box*!
- NetTeller online banking and Bill Pay*!
- Touch24 telephone banking!
- Payment card and Personal Identity Protection!
- Annual financial review!
- SBL Check Protect overdraft courtesy*!
- No fee traveler’s checks, cashier’s checks and money orders!
- Discounts on installment loans*!
- No fee wire transfers with banks located in the U.S.A.!
- Images of your checks included with your monthly statement!
- $15,000 travel accident insurance!
- Dining, travel and hotel, car rental and online shopping discounts!
- Preferred rates at resorts, golf courses, theme parks, and more!
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Interest Checking is for the customer who is looking for a basic account that pays interest. Maintain a monthly balance of $750.00 or more, and you’ll avoid a monthly service charge. is waived. With our Interest Checking you’ll receive:
- Unlimited checking!
- Interest paid on all balances!
- VISA ATM/Check card*!
- NetTeller online banking!
- Touch24 telephone banking!
- Annual financial review!
- Images of your checks with your monthly statement!
When you add BONUS BANKING to your Interest Checking for $5 a month, you receive these additional benefits:
- Bonus Banking checks*!
- Payment card and Personal Identification Protection!
- $10,000 travel accident insurance!
- Dining, travel and entertainment, and online shopping discounts and more!
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- Unlimited check writing!
- No minimum balance requirement!
- No monthly service charge!
- NetTeller online banking!
- Touch24 telephone banking!
- VISA ATM/Check card*!
- Annual financial review!
- SBL Check Protect overdraft courtesy*!
When you add BONUS BANKING to your Free Checking for $5 a month, you receive these additional benefits:
- Bonus Banking checks*!
- Payment card and Personal Identification Protection!
- $10,000 travel accident insurance!
- Dining, travel and entertainment, and online shopping discounts and more!
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Yes |
Yes |
Yes |
$0 |
$750 |
N/A |
$0 |
$7.50 |
$7.00 |
No |
Yes, on all balances |
No |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes, with Bonus Banking at $5 a month |
Yes, with Bonus Banking at $5 a month |
Included |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
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Upgrade your Free and Interest Checking accounts with this package of benefits for only $5 a month.
Receive your personally imprinted checks at no charge. Your specially selected Bonus Banking checks are limited to one box per order. Estimated Annual Value of $30
Enjoy the convenience of having images of your checks on your monthly statement there¹s less bulk for you to store, and it¹s quick and easy to keep all your banking information together.
You¹re protected with $10,000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, and train). Estimated Annual Value of $40
If you ever lose a registered credit, debit, or ATM card, simply call our 24-hour toll-free number, and all your card issuers will be notified. Should you become an identity theft victim, you are eligible for reimbursement of up to $1,000 in direct costs associated with recovering your identity. Estimated Annual Value of $30
Save up to 50% at over 15,000 hotels in popular destinations worldwide. Take advantage of additional savings on car rentals, vacations, golf, movie tickets, theme parks and other exciting activities. Save hundreds of dollars every year!
Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries, for catering, take-out, and delivery.
Save over $150 annually!
When you shop through the State Bank of Lizton website, you¹ll enjoy access to name brand shopping discounts and closeout savings at a variety of retailers, including Dell, Barnes & Noble, Office Max, and Overstock.com. Estimated Annual Value of OVER $50
Preferred rates at several of the nation¹s 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
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Click here for SBL Check Protect PolicyHaving a check returned due to insufficient funds can be a costly and humiliating experience. That’s why we provide “SBL Check Protect,” a special overdraft courtesy for State Bank of Lizton’s checking customers.
SBL Check Protect gives you an added level of protection against unanticipated cash flow emergencies and account reconciliation errors.
At State Bank of Lizton, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. The purpose of this courtesy is to save you from the embarrassment, additional merchant fees or other problems that might result if a check is returned.
SBL Check Protect is an overdraft courtesy limit that is automatically assigned to your account. There is no action required on your part. You do not need to sign anything.
As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), State Bank of Lizton may honor overdrafts up to the SBL Check Protect limit on your account (up to $1,000.00).
There is no additional cost associated with this courtesy unless you use it. However, you should keep in mind that you will be charged our NSF fee of $25 for each item paid under the limit.
You will receive an overdraft notice in the mail each time items are paid. Overdrafts above and beyond your established SBL Check Protect limit may result in a check or checks being returned to the payee. The normal NSF fee will be charged per item and assessed to your account. So as not to exceed your limit if you use SBL Check Protect, you should note that the amount of the overdraft plus our standard NSF fee of $25 for each item will be deducted from your overdraft limit.
You should make every attempt to bring your account to a positive balance within 30 days. If you are not able to do so, you will receive a letter from State Bank of Lizton informing you of the situation and your options. If, after a period of time, your account has not been brought to a positive balance, we may suspend your overdraft courtesy limit and take other steps to recover funds.
If you are a new active account holder, you may be able to use the overdraft courtesy limit assigned to your account 30 days after the account is opened.
The chart below is designed to make you aware of the different ways you can access your SBL Check Protect limit and whether or not this limit will be reflected in the available balance provided.
| Yes |
Yes |
| Yes |
N/A |
| Yes |
N/A |
| Yes |
Yes |
| Yes |
Yes |
| Yes |
N/A |
| Yes |
Yes |
| Yes |
Yes |
By keeping accurate records and knowing your balance, you can avoid mistakenly accessing your limit and incurring NSF fees. The best way to do this is to use your checkbook register to keep track of your deposits, written checks, withdrawals including service charges, ATM and check card transactions. Always reconcile your register with your monthly bank statement.
SBL Check Protect Policy (Click here for a printable version) You will need Adobe Acrobat Reader to print the policy. If you do not have Adobe you can click here to download a free copy of it.
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Statement Savings is a time tested account that encourages savings.
- $25 minimum opening deposit
- Fifteen (15) withdrawals allowed per quarter
- Interest compounded daily and credited quarterly
- Interest rate subject to change with market conditions
- Minimum opening deposit and monthly service fee waived for those under 18 years of age
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Money Market Select offers tiered rates that reward you for higher balances.
- $2,500 minimum to open account
- 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 required to avoid $5.00 monthly service charge
- $5.00 service charge if account falls below required minimum balance during the calendar quarter
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Premium Money Market offers tiered rates that reward the highest of balances.
- $25,000 minimum to open account
- 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 required to avoid $10.00 monthly service charge
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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 is an account designed for youth up to age 18.
- No minimum balance required
- No monthly service fee
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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).
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- NOT A DEPOSIT
- NOT FDIC-INSURED
- NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
- NOT GUARANTEED BY THE BANK
- MAY GO DOWN IN VALUE
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