Spiro State Bank offers several deposit accounts to fit your business needs. Our knowledgeable and friendly customer service team can help you find the right fit.
Regular Checking
- Minimum opening deposit $100
- Unlimited check writing
- No statement fee with minimum statement period balance of $1,000 or above
- Tiered statement fee if your statement balance falls below $1,000 and debit transactions exceed 20 per statement period
- Non-interest bearing
- Online banking
- 24-hour telephone banking
- Monthly statements with check images
Super Now Account
- Available for individual proprietorships, non-profit organizations, government units
- Minimum opening deposit $100
- Unlimited check writing
- $3.50 statement fee, plus $.10 per debit processed, if your statement balance is $500 and above
- $6.00 statement fee, plus $.10 per debit processed, if your statement balance falls below $500
- Interest bearing account, compounded daily and credited to account monthly
- Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
- Tiered Interest Rate Structure
- Online banking
- 24-hour telephone banking
- Monthly statements with check images
Money Market Accounts
- Minimum opening deposit $5,000
- Limit of six debit transactions per statement period
- Transfers between your accounts at Spiro State Bank initiated in person, by mail, messenger, or ATM are unlimited
- No statement fee with minimum statement period balance of $5,000
- $3.50 statement fee, plus $.10 per debit processed, if your statement balance is below $5,000 and above $500
- $6.00 statement fee, plus $.10 per debit processed, if your statement balance falls below $500
- Interest bearing account, compounded daily and credited to account monthly
- Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
- Tiered Interest Rate Structure
- Online banking
- 24-hour telephone banking
- Monthly statements with check images
Contact a New Account Representative for terms and rates.
Regular Savings
- Minimum opening deposit $100
- Limit of six debit transactions per month
- Transfers between your accounts at Spiro State Bank initiated in person, by mail, messenger, or ATM are unlimited
- $1 charge per withdrawal in excess of three per quarter
- Interest bearing account, compounded daily and credited to account quarterly
- Account ceases to accrue interest when balance falls below $100
- Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
- Online banking
- 24-hour telephone banking
- Quarterly statement
Certificate of Deposit
- Minimum opening deposit $10,000
- Single maturity-fixed rate
- Terms available are 91 days and 182 days
- Automatic renewable option available
- Competitive interest rates
- Several interest payment options
Contact a New Account Representative for terms and rates.
