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PERSONAL CHECKING ACCOUNTS

Make the switch to Silver Lake Bank. It’s easy because we’re flexible. Even better, we will do most of the work! When you're ready to switch your checking account to Silver Lake Bank, feel free to use our convenient Switch Kit. Simply click here to get started.

No matter what type of checking account you have with Silver Lake Bank, ATM Cards are available to satisfactory account holders with no annual fee and no fee for transactions at Silver Lake Bank ATMs. For a list of additional surcharge free ATM's, click on the ATM Locator tab to the left. $1.00 fee per transaction is assessed at all other foreign ATM machines. Silver Lake Bank VISA Check Cards are also available upon application approval.



Choice Checking
Add value with identity theft protection, insurance and discounts on shopping, travel, entertainment and prescription drugs.
$100.00 will open account
$5 Monthly service charge
Monthly eStatement is free. Paper statements are $2 per statement period
Unlimited check writing
Express Checking
$100.00 will open account
No monthly service charge when you opt for eStatement delivery or are age 65 and older at account opening
$2 monthly service charge for accounts with mailed statements unless one of the following balance levels are met: ACB1 of $2,000 or more OR relationship (other accounts owned by you) ACB1 of $5,000 in deposits or $10,000 in loans
Unlimited check writing

Interest Checking
$100.00 will open account
Monthly Service Charge
ACB1 of $1000 or more—no monthly service charge
ACB1 less than $1000—$5 monthly service charge
40 checks monthly at no charge. Each additional check is only $0.25. Maintain your ACB1 over $2,000 and enjoy unlimited check writing at no charge.
Interest compounded and credited on statement date.
Monthly eStatement is free. Paper statements are $2 per statement period.

Silver Club Checking
Specially designed package of banking privileges and discounts for our customers age 60 and over
$100 will open account
No monthly service charge
40 checks monthly at no charge. Each additional check is just $0.25. Maintain your ACB1 of $2,000 or more and enjoy unlimited check writing at no charge.
Interest earned on entire balance and is credited monthly on statement date.
Monthly eStatement is free. Paper statements are $2 per statement period.
  Additional Silver Club Advantages
 
Discounted prices for select styles of personal checks
No fee for cashiers checks or money orders (limit 3 per month)
No fee on purchase of travelers checks for one and 50% discount on purchase fee of travelers checks for two
10% discount on safe deposit box annual rental
Free bank by mail deposit slips

Overdraft Payment Options

Silver Lake Bank has two optional services for assistance in managing your funds. Overdrafts occur when you do not have enough money in your account to cover a transaction, but we pay it anyway.

At no cost to you, we offer an automatic transfer from another Silver Lake Bank checking or savings account called Sweep Overdraft Protection. To learn more or establish this service, please visit with a Silver Lake Bank Customer Service Representative. You will want this in place prior to overdrawing your account.

Rather than automatically returning unpaid any insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts. With Overdraft Privilege you can avoid high charges from merchants for returned items. We will charge our normal overdraft item fee of $32 for each item that would create an overdraft on your account. We are not promising to pay your overdrafts, not all accounts are eligible, and some restrictions do apply. Click here for a copy of our Overdraft Privilege Service Description.


Customers choosing to have Silver Lake Bank authorize and pay overdrafts on ATM and check card transactions, must advise us by notifying the bank through our secure message center (click here), by phone or in person. An account owner may revoke consent at any time.

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1ACB= Average Collected Balance