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As a thank you for banking with us, we offer our most loyal customers interest-bearing checking — along with perks like loan discounts.

Key Features

  • Competitive Interest
  • Unlimited Monthly Transactions
  • Free Digital Banking
  • Free Debit Card
  • Earn competitive interest, paid monthly, when you maintain a $1,500 minimum daily balance
  • Enjoy preferred CD rates, personal loan discounts, and free investment planning consultation
  • Avoid the $7 monthly maintenance charge by meeting one of the following qualifications:
    • Maintain a $5,000 minimum daily balance OR
    • Maintain a combined $10,000 minimum daily balance across your Steuben Trust checking, savings, and CDs
  • Unlimited check writing and transactions
  • Free digital banking, including:
    • Online banking and bill pay
    • Mobile banking with mobile deposit
    • eStatements
  • Free Visa® debit card
  • $25 minimum deposit to open 

Age 55 or older? Take a look at our Senior Relationship Advantage Checking.

Interest rates are variable and may change after opening account.

An inactive account fee of $5.00 per month after 12 months of inactivity will be charged until the account closes or account becomes dormant.