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The State Bank of Florence has the right checking or savings account for YOU. We offer a
variety of accounts to meet your individual situation and you can be assured you will be
treated with the very finest of personal service.
We care about our customers. They are our friends and neighbors. They are the reason we open
our doors each day. If you feel that you would like to establish that kind of a relationship
with a financial institution, come on in or simply fill out our online banking deposit account application
. We're here for YOU!
Take a look at the variety of products you have to choose from, and note that ALL of our
checking accounts offer:
- FREE $2,000 Accidental Death and Dismemberment Insurance
- ATM/Check Card (NO annual fee)
- 24-Hour Telephone Banking
- 24-Hour Automated Teller Machine (ATM)
- Bank-by-mail
- FREE overdraft protection (transfer from a savings account)
- Check safekeeping
- FREE Ready Reserve line of credit *
- VISA or MasterCard credit card (NO annual fee and a great rate!) *
* - subject to approval
CHECKING ACCOUNTS
To easily apply for an account, go to our online deposit account application.
 ree 'n Easy Checking
Our most popular, no-cost, basic checking account.
- NO minimum balance
- NO monthly service charge
- NO per check charge
 irect Advantage Checking
The best account for anyone receiving direct deposit of
payroll, with the same advantage listed above as well as discounts on consumer loans and
closing costs when you finance your home with us!
 RIME CLUB Checking
For our special customers 55 years of age and older, with
the above advantages as well as
- FREE first order of printed checks
- FREE copies (limited)
- FREE Notary service
- FREE copies of cancelled checks (up to two per month)
- FREE money orders (up to three per month)
- FREE Traveler's checks
- DISCOUNT on safe deposit box rental
 OW Account
For those who want to earn interest on their checking account -
paid on average daily balance. Minimum balance required.
ull Service Checking
If you really want to have your checks returned to you, rather
than having them safekept, this is the account for you. A $500 average balance is required to
avoid our small maintenance fee.
 oney Market Deposit Account
Designed to give you flexibility and liquidity while
earning a safe return on your deposit account. Minimum balance required and some restrictions apply.
SAVINGS ACCOUNTS
You know that you are supposed to "pay yourself first" as a disciplined savings program, but
that's difficult to do. The State Bank of Florence can help you work towards, and realize, your
dreams. We offer a variety of savings accounts and always encourage our young savers with no
minimum balance for minors. We also offer an online deposit account application.
 ainy Day Club Account
Our highest yielding savings account, helping make your
dreams come true. Save for that special vacation, new car or higher education for your children.
Regular direct debit from your checking account makes saving a habit. Deposit amount and
frequency of deposit are set by customer, weekly, bi-weekly or monthly.
 hristmas Club Account
An interest-bearing way to beat holiday credit woes! Save for
50 weeks with weekly deposit amounts of your choice. Interest is credited and checks issued
at the end of the cycle, just in time for your Christmas shopping!
egular Savings Account
A comfortable way to save! Interest is paid on daily
balance and compounded and credited semi-annually. Only $10 required to open the account and
$100 average daily balance required to avoid the minimal monthly maintenance fee.
ertificates of Deposit
For depositors who would like to earn a higher rate of
interest with FDIC protection. We offer varying, competitive rates of interest, depending on
the term of the CD. Interest can be compounded, adding the earnings to the principal amount, or
withdrawn monthly, quarterly, semi-annually, annually or at maturity.
 ndividual Retirement Accounts
For savings over a longer term that earns
tax-deferred interest, a variable or fixed rate IRA CD offers the advantage of ranging
from six months to 60 months, with higher rates for longer terms. You choose, and this account
may reduce your taxable income and save you tax dollars.
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Equal Housing Lender
