- (320) 685-8655
- Routing Number: 091904830
Personal Banking at State Bank of Cold Spring made easy. We offer a comprehensive suite of products, including checking accounts, savings options, and investment opportunities like CDs, IRAs, and HSAs, all designed to meet your financial needs. Explore our competitive and flexible solutions to enhance your financial well-being.
State Bank of Cold Spring offers a wide range of products and services with competitive rates. We can provide a banking solution to fit your individual needs.
| Name/Type | Minimum Opening Deposit | Interest Earned | Minimum Average Balance Requirement | Account Fees | Debit/ATM Card Available | Check Images |
|---|---|---|---|---|---|---|
| Regular Checking | $50.00 | No | No | No | Yes | No |
| Regular Checking – Checks Returned | $50.00 | No | No | $4.00/month for check images | Yes | Yes |
| Now Checking | $800.00 | Yes | $800.00 | $7.00 *See below | Yes | No |
| Now Checking – Checks Returned | $800.00 | Yes | $800.00 | $4.00/month for check images $7.00 *See below | Yes | Yes |
| Limited Checking **See below | $2500.00 | Yes | $2500.00 | $7.00 *See below | Yes | Yes |
| Unlimited Checking | $2500.00 | Yes | $2500.00 | $7.00 *See below | Yes | Yes |
*A minimum average balance fee of $7.00 will be imposed every monthly statement cycle unless you maintain the average daily balance requirement for that account.
**You can not have funds transferred more than 6 times per month to another one of your accounts or to a third party by check, preauthorized or automatic transfer, draft, or debit card.
State Bank of Cold Spring offers a wide range of products and services with competitive rates. We can provide a banking solution to fit your individual needs.
| Name/Type | Minimum Opening Deposit | Interest Earned | Minimum Average Balance Requirement | Account Fees | ATM Card Available |
|---|---|---|---|---|---|
| Savings Plus** | $50.00 | Yes (Tiered based on daily balance) | $50.00* | $1.00* | Yes |
* A minimum average balance fee of $1.00 will be imposed every monthly statement cycle unless you maintain an average daily balance of $50.00 for that monthly statement cycle. This fee is waived for those under the age of 19.
The State Bank of Cold Spring offers a variety of terms and competitive rates for your savings needs. If you are looking to set money aside for a short term or a long term investment, the State Bank of Cold Spring is sure to have a Certificate of Deposit to meet your needs. Call us for more information and our current rates at 320-685-8655.
Are you planning for your retirement, and do you want your money to work for you? The State Bank of Cold Spring will help you achieve your goals. We offer Traditional and Roth IRA Passbook Savings and IRA Certificate of Deposit Accounts to fulfill your needs.
Do you have a high deductible on your health insurance plan? You may qualify for a Health Savings Account, which is a tax-advantaged way to save for your healthcare expenses. Unlike a flexible spending account, the money you accrue in your HSA rolls over from year to year. That means it’s still yours, even if you don’t use it. Contact your Tax Advisor to see if an HSA is right for you.
We are dedicated to providing our customers with the support they need. You will find all the ways to reach us, including operating hours.
Our mission is to provide high quality products and financial services to our community, and to promote economic growth and stability to our area.
