The State Bank

Spirit Lake • Terril

The State Bank

1902 Hill Ave • Spirit Lake, IA 51360 • 712.336.2455
101 N State Street • Terril, IA 51364 • 712.853.6200


Mortgage Loans

  • Apply for a mortgage anytime and anywhere.
  • Save your application to complete at a later time.
  • Calculators to help you make the best decition.

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Personal Accounts | Business Accounts

Personal Accounts

Freedom Checking

  • No minimum balance
  • No service charge
  • First 50 checks FREE
  • $25.00 opening deposit
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

Regular Checking

  • $400.00 minimum balance to avoid fees
  • Free ATM/Debit card withdrawals at our ATM locations
  • Waived service charge for retired account holders
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

NOW Checking

  • $750.00 minimum balance to avoid fees
  • Variable rate compounded daily and paid monthly
  • Waived service charge for retired account holders
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

Navigator Checking

  • $15,000.00 minimum balance to avoid fees
  • FREE ATM/Debit card withdrawals at ALL locations
  • FREE debit card
  • Variable rate compounded daily and paid monthly
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

Savings

  • $5.00 opening deposit
  • Variable rate compounded daily and paid quarterly
  • Monthly statement if EFT activity, otherwise quarterly

Health Savings Accounts

  • Tax advantaged savings account used for medical expenses
  • $50.00 opening deposit
  • First 25 checks FREE
  • Variable rate compounded daily and paid monthly

Money Fund

  • $1,000.00 opening deposit
  • Variable rate compounded daily and paid monthly. Rate increases with higher balances.
  • Maximum of 6 preauthorized transfers
  • Monthly Statement

Time Certificates

Retirement Accounts

  • $25.00 opening deposit
  • Traditional IRA, Roth IRA, Simple IRA

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Business Accounts

Business Analysis Checking

Small Business Checking

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