Personal Checking Accounts

Manage your money on your terms with account options designed to meet your needs.

 

For your convenience, the following benefits are included with all of our personal checking accounts:

*Mobile App deposit feature & Overdraft Privilege are subject to approval.

 

Convenience Checking

A straightforward checking account tailored for on-the-go customers who prefer simple banking.

  • Minimum opening deposit is $100
  • No monthly maintenance fee with eStatement enrollment
  • No minimum balance requirement
  • Unlimited debit card transactions and check writing
  • Free eStatement with check images

Spend & Sign & Save

Our most popular checking and savings account package. You’ll enjoy generous perks and benefits today, while you save and plan for tomorrow.

  • Minimum opening deposit is $100
  • No-fee ATM withdrawals Anywhere! (up to 8 times per month)1
  • No minimum balance requirement
  • Unlimited debit card transactions and check writing
  • No charge for first order of wallet Mini-Pak bank checks and 50% off future orders
  • Reduced fees on overdrafts2
  • Your total purchase amounts made with your debit card are rounded up to the next whole dollar
    Then your spare change is automatically deposited into your savings account
  • Plus, once a year we’ll match 5% of your total spare change generated from signature based transactions
  • Spend & Sign & Save is valued at $6/month and you reduce your fee by $1 when you enroll in eStatements. Plus we reduce the fee by another $0.25 off each time you use your debit card to make everyday purchases. You can easily get your fee to zero!4
  • You’ll even get local and national deals and discounts easily accessible with our My PERK$ mobile app

You get more. You save more. YOU’LL LOVE IT!

Elite Checking

Our Elite Checking is a great option for financially confident customers ages 50 and better who enjoy earning interest and having access to value added benefits.

  • Minimum opening deposit is $100
  • No minimum balance requirement
  • Unlimited debit card transactions and check writing
  • Complimentary standard bank wallet checks
  • Earns interest on daily collected balances
  • Free Cashier’s Checks
  • Free eStatement with check images

Superb Checking

Our Superb Checking account is reserved exclusively for First Ladies and Club Vogue members with combined deposit balances of at least $10,000 across deposit and Wealth Management relationship balances. If you enjoy added banking perks, attending social events, traveling, and discussing trending financial topics consider joining one of our unique banking programs. To learn more, click on the program information links below or contact a bank representative at 888-827-5564.   

  • First Ladies and Club Vogue members with deposit and Wealth Management relationships $10,000 or more qualify for the Superb Checking account.
  • Learn about our exclusive First Ladies Program
  • Learn about our exclusive Club Vogue Program

Premier Checking

Premier Checking provides value added benefits for customers who maintain relationship balances.

  • Minimum opening deposit is $100
  • No minimum balance requirement
  • Monthly maintenance fee is waived with relationship balances of $25,000 or more in checking, savings, money market, certificates of deposit, Individual Retirement Accounts (IRAs), and personal loan balances, excluding mortgages
  • Unlimited debit card transactions and check writing
  • Complimentary standard bank wallet checks
  • Earns interest on daily collected balances
  • Free Cashier’s Checks

Health Savings Account (HSA)

An HSA is a checking account that is a perfect complement to a High Deductible Health Insurance Plan (HDHP) as it allows you to pay for current or future qualified medical expenses on a tax-free basis. No medical expenses today? No problem. Unused balances carry over to the following year, allowing you to build your account for the future.

  • No minimum opening deposit requirement
  • No monthly maintenance, per transaction, or set-up fees
  • Complimentary HSA debit card and checks
  • Earns interest on daily collected balances
  • Simplify your savings plan with direct deposit

(1)Up to 8 ATM transaction fees, or maximum of $16.00 rebated at end of each statement cycle. (2)Overdraft Privilege is a discretionary service provided by Sunflower Bank. No fees charged on overdrafts if overdrawn account balance is $40 or less. Discount of 25% on standard overdraft fees if overdrawn balance is greater than $40. Customer may choose to opt-out of this service. (3)Personal Identity Protection is subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency. (4)Monthly fee is reduced by $0.25 per posted transaction. Transactions must post within the statement cycle to qualify. ATM transactions do not qualify. Not to credit past $0.