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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 Coverage Options

Life happens! Silver Lake Bank understands that unexpected overdrafts occur from time to time. Overdraft coverage can help.

Silver Lake Bank has two options for you. Consider these ways to cover overdrafts:

  1. Sweep Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account at Silver Lake Bank. This service is free!
  2. Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have sweep overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Overdraft Privilege ‘Extended Coverage’ is also available with your consent. There is no cost to you for Overdraft Privilege or Overdraft Privilege Extended Service unless you use it. If used, fees will apply.


To sign-up for Sweep Overdraft Protection, please call us at 785.232.0102 or toll free 877.232.0102, email us at slbank@silverlakebank.com or come by a branch. To sign-up for Overdraft Privilege Extended Coverage, please call or email using the above information, come by a branch or complete and send in the Consent Form for Overdraft Services listed below.

Click here to read more about these services.
Click here for the ‘Consent Form for Overdraft Services’.
Click here to read the Consumer Financial Protection Bureau’s brochure ‘Know Your Overdraft Options’


 
1ACB= Average Collected Balance