|
Century Free Checking Account |
|
| Minimum balance to open |
$100 |
| Monthly service charge |
Zero |
| Minimum balance requirement |
Zero |
| Transaction fee |
Zero |
| SCB Freedom Card (ATM/Debit) |
Free |
| Online Banking with Bill Pay |
Free |
| E-Statements |
Free |
| *Sweep transfer and overdraft fees may apply | |
|
Regular Checking Account |
|
| Minimum balance to open |
$100 |
| Monthly balances above $500* |
fee waived |
| 50+ years of age |
fee waived |
| SCB Freedom Card (ATM/Debit) |
Free |
| Check Writing Privileges |
Unlimited |
| Online Banking with Bill Pay |
Free |
| E-Statements |
Free |
| *$5 per month if balance requirement not met | |
|
Now Checking Account |
|
| Minimum balance to open |
$100 |
| Daily balances above $1000* |
fee waived |
| 50+ years of age |
fee waived |
| SCB Freedom Card (ATM/Debit) |
Free |
| Interest compounded daily, paid monthly |
On all balances |
| Check Writing Privileges |
Unlimited |
| Sweep transfers available |
$10 each |
| Online Banking with Bill Pay |
Free |
| E-Statements |
Free |
| *$10 per month if balance requirement not met | |
|
Ideal Checking Account |
|
| For those who prefer to use a debit card instead of writing checks for the majority of transactions. | |
| Minimum balance to open |
$100 |
| Write 10 or fewer checks* |
fee waived |
| SCB Freedom Card (ATM/Debit) |
Free |
| First order of checks |
Free |
| Interest compound daily, paid monthly |
On balances above $1000 |
| Notary Services |
Free |
| Sweep transfers available |
$10 each |
| Online Banking with Bill Pay |
Free |
| E-Statements |
Free |
| *If more than 10 checks, $8 monthly fee | |
|
Premier 50 Checking Account |
|
| Must be 50 years of age or older.* | |
| Minimum balance to open |
$100 |
| Daily balances above $150** |
fee waived |
| With $10,000 SCB Certificate of Deposit |
fee waived |
| SCB Certificate of Deposit |
Preferred Rates |
| Personalized check orders (bank specified) |
Free |
| SCB Freedom Card (ATM/Debit) |
Free |
| Interest compounded daily, paid monthly |
On balances above $1000 |
| Notary Services |
Free |
| Personal photocopies |
Free |
| Safe Deposit Box Rental (with payment by automatic debit) |
Discount Rate |
| Check Writing Privileges |
Unlimited |
| Sweep transfers available |
$10 each |
| Online Banking with Bill Pay |
Free |
| E-Statements |
Free |
| *Limit one Premier Fifty Account per household | |
| **$7 monthly fee if account falls below $150 minimum balance | |
|
Century Student Free Checking Account |
|
| Must be no more than 25 years of age and a full -time student to qualify. | |
| Minimum balance to open |
$100 |
| Monthly service charge |
Zero |
| Minimum balance |
Zero |
| Transaction fee |
Zero |
| SCB ATM Card |
Free |
| High School checkbook cover (while supplies last) |
Free |
| High School checks |
Available |
| First order of checks |
Free |
| Online Banking with Bill Pay |
Free |
| E-Statements |
Free |
| *Sweep transfer and NSF fees may apply | |
*Sweep Transfer Fee - $10
*NSF Fee - $30 per item
Card Replacement Fee
There is a $5.00 fee for replacing lost or stolen cards.
Note: All accounts have free access to the Teller Information Phone (TIP) by calling (865) 429-4636 and to SCB Online Banking via the internet by enrolling in the service. Further all accounts are eligible for a discounted rate on safe deposit box rental when payment is made by automatic debit.
Funds Availability Policy
Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. Then, the funds will generally be available by the fifth business day after the day of deposit.
