St. Simons Island 
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PrintPersonal Checking Accounts
Welcome to St. Simons Bank & Trust! Our accounts and services will make your life easier whether you are at home, work or on the go. Our online banking & mobile app provide instant access for balance, transactions, transfers, bill pay, e-statements & account alerts, and are available at no cost. If you ever have a question, we’re always here to help!
Simple Checking:
Our Simple Checking account meets all the essential needs for everyday banking.
Personal Interest Checking:
Our Personal Interest Checking provides the added benefit of earning interest on your account.
Crown Interest Checking:
Our Crown Interest Checking is designed for customers who are 50 or older. Earn interest with our full-service account.
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|
Simple |
Personal Interest Checking |
Crown Interest |
|
Interest Rate |
-- |
variable |
variable |
|
Online Banking |
√ |
√ |
√ |
|
Bill Pay |
√ |
√ |
√ |
|
Mobile Banking |
√ |
√ |
√ |
|
Account Alerts |
√ |
√ |
√ |
|
E-Statements |
√ |
√ |
√ |
|
~Maintain~ Minimum balance or Average daily balance
Service Charge if below |
min $500 average $1,000
$8.00 |
min $750 average $1,500
$8.00 plus $.20 per check/debit |
no service charge
|
|
~Discount for~ Full Time Students age 18-24 |
no service chg |
--
|
-- |
|
Transactions |
unlimited |
unlimited |
unlimited |
|
Amount to Open |
$100 |
$100 |
$100 |
|
Safe Deposit Box Rental |
vary by size |
vary by size |
discount on rental |
