Personal Checking

Interest Bearing

 
The Prestige Account
N.O.W. Account
Super N.O.W.  Account
Account Specifics      
Balance for no monthly service charge None $1,000.00 $2,500.00
Monthly service charge $8.00/$6.00/$4.00 None^ None^
Interest bearing
Yes

See Current Rates

Yes

See Current Rates

Yes

See Current Rates

Special features Account Charge is based on the account you choose: 

$8.00 per month = family plan, $25,000 in accidental death insurance 

$6.00 per month = individual plan, $10,000 in accidental death insurance 

Many additional benefits.

More Information

There is a $0.15 per debit item service charge for each check, transfer, withdrawal, or VISA EZChek Card transaction posted over 20 for the month. 

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information 

There is a $0.20 per debit item service charge for each check, transfer, withdrawal, or VISA EZChek Card transaction posted over 20 for the month. 

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information

^A monthly maintenance charge of $10.00 will be applied if the balance falls below the minimum balance required to avoid account maintenance charges.

Non-Interest Bearing

 
Regular Checking Account
Senior Citizen Basic Checking Account
Account Specifics    
Balance for no monthly service charge $600.00 None
Monthly service charge Daily Balance Base Charge:

$0.00-$99.99 $6.00
$100.00-$199.99 $5.00
$200.00- $299.99 $4.00
$300.00-$399.99 $3.00
$400.00-$499.99 $2.00
$500.00-$599.99 $1.00
$600 and up $0.00
None*
Interest bearing No No
Special features
There is a charge of $0.20 for each check and/or debit transaction over 30 per month 

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

 
ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM.
 

*No account charges will be assessed as long as the account is in good standing.
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The Prestige Account

  • Opening deposit required.
  • Account charge is based on the account you choose:
    $8.00 per month = the family plan, $25,000 in accidental death insurance, $100,000 Scheduled Airline Accidental Death Insurance, $1,500 Dependent Child Accidental Death Insurance.
    $6.00 per month = individual plan, $10,000 in accidental death insurance.
    Fees could reduce the earnings on the account.
  • Individuals over 55+ receive $2.00 off the monthly fee.
  • No ATM fees (unless you are using a "foreign ATM" and that financial institution charges a fee).
  • Wallet checks at no cost, duplicates issued at half price.
  • Unlimited checking, no per check charges.
  • Interest on checking.
  • Personal money orders at no issue fee.
  • Open a new savings account at time of opening and we will deposit $5.00.
  • Discounted Gift Cards at Retailers such as Bass Pro Shops, Cabela's and Lands' End.
  • Card Patrol
  • Identity Theft Fraud Support Service
  • Everywhere Cash Savings
  • Complimentary VISA Check/Debit Card
  • Complimentary eTouch24 Account and eStatements
  • No rental for first year with a new safe deposit box at time of new account opening.
  • Complimentary Mobile Banking and Text Banking.  While there are no State Bank of Cerro Gordo fees to use this product, text fees may apply and customers should check with their wireless provider to find out more details. 
  • Complimentary Notary Services
  • Discount on license plate stickers.
  • We reserve the right to change the interest rate on a daily basis.
  • Complimentary box of regular or duplicate checks ($15 value) at time of new account opening.

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N.O.W. Account

  • Interest bearing account.
  • Opening deposit required.
  • Minimum daily balance of $1,000.00. If balance falls below $1,000.00 any day during the month, a service charge of $10.00 will be applied.  Fees could reduce the earnings on the account.
  • ATM card service charges apply. A fee of $1.00 is charged for each ATM card transaction at a "foreign ATM". A "foreign ATM" is any ATM other than the ATM at the State Bank of Cerro Gordo in Cerro Gordo, IL, State Bank of Bement in Bement, IL, Bement Stop N' Go in Bement, IL, East End Tavern in Monticello, IL, Deedrick Rentals in Sadorus, IL, State Bank of Bement - Ivesdale in Ivesdale, IL, State Bank of Bement - Monticello in Monticello, IL.
  • We reserve the right to change the interest rate on a daily basis.
  • Complimentary VISA Check/Debit Card
  • Complimentary eTouch24 Account and eStatements
  • Complimentary Mobile Banking and Text Banking.  While there are no State Bank of Cerro Gordo fees to use this product, text fees may apply and customers should check with their wireless provider to find out more details. 
  • Complimentary Notary Services

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Super N.O.W. Account

  • Opening deposit required.
  • Minimum daily balance of $2,500.00. If balance falls below $2,500.00 any day during the month, a service charge of $10.00 will be applied.  Fees could reduce the earnings on the account.
  • Interest Bearing Account.  
  • We reserve the right to change the interest rate on a daily basis.
  • Complimentary VISA Check/Debit Card
  • Complimentary eTouch24 Account and eStatements
  • Complimentary Mobile Banking and Text Banking.  While there are no State Bank of Cerro Gordo fees to use this product, text fees may apply and customers should check with their wireless provider to find out more details. 
  • Complimentary Notary Services
  • ATM card service charges apply. A fee of $1.00 is charged for each ATM card transaction at a "foreign ATM". A "foreign ATM" is any ATM other than the ATM at the State Bank of Cerro Gordo in Cerro Gordo, IL, State Bank of Bement in Bement, IL, Bement Stop N' Go in Bement, IL, East End Tavern in Monticello, IL, Deedrick Rentals in Sadorus, IL, State Bank of Bement - Ivesdale in Ivesdale, IL, State Bank of Bement - Monticello in Monticello, IL.

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Regular Checking

  • Deposit required at account opening.
  • Service charge is based on monthly account balance.
  • There is a charge of $0.20 for each check and/or debit over 30 per month.
  • ATM card service charges apply. A fee of $1.00 is charged for each ATM card transaction at a "foreign ATM". A "foreign ATM" is any ATM other than the ATM at the State Bank of Cerro Gordo in Cerro Gordo, IL, State Bank of Bement in Bement, IL, Bement Stop N' Go in Bement, IL, East End Tavern in Monticello, IL, Deedrick Rentals in Sadorus, IL, State Bank of Bement - Ivesdale in Ivesdale, IL, State Bank of Bement - Monticello in Monticello, IL.

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Senior Citizen Basic

  • Deposit required at account opening.
  • No account fees are assessed as long as account is in good standing.
  • ATM card service charges apply.
  • 62 or older

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