State Street Bank & Trust Checking Account
Would you recommend State Street Bank & Trust Checking Account to your friends?
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.05% - 2% (Verified 08/04/2023)
|
| Monthly Maintenance Fee |
$0 (Verified 08/04/2023)
|
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
State Street Bank & Trust Checking Account Review
State Street Bank & Trust Checking Account is offered by State Bank & Trust Co, a bank founded in 1995 and based in Atlanta, GA. State Street Bank Better Interest checking is available in 1 state across the USA.
Key Takeaways
- Up to 2% annual percentage yield (APY). This account offers an annual percentage yield of up to 2%, which is much higher than the average for the checking accounts that we track. However, you must keep a minimum balance of $0.01.
- $0 monthly fee. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Up to $20 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in State Bank & Trust Co mobile or online banking.
State Street Bank Better Interest checking Pros & Cons
| Pros | Cons |
|---|---|
|
|
State Street Bank Better Interest checking FAQ
Are checking accounts from State Bank & Trust Co federally insured?
Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does State Street Bank Better Interest checking offer?
State Street Bank Better Interest checking offers an APY starting at 0.05% and ranging up to 2% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $0.01.
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.05% - 2% |
What are the account minimums for State Street Bank Better Interest checking?
State Street Bank Better Interest checking requires a minimum initial deposit of $100 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $100 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $0.01 |
What fees does State Street Bank Better Interest checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Maintenance Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $1.50 |
| ATM Reimbursement Monthly Limit | 20 |
| Foreign Transaction Fee (Debit Card) | 2% |
| NSF Fee | $35 |
| Overdraft Item Fee | $35 |
| Returned Deposit Fee (Domestic) | $35 |
| Returned Deposit Fee (International) | $35 |
| Stop Payment Fee | $35 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $20 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $40 |
| Paper Statement Fee | $4 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee (Standard Delivery) | $5 |
| Early Account Closure | $15 |
Does State Street Bank Better Interest checking charge overdraft fees?
Yes, State Street Bank Better Interest checking charges a $35 fee for every overdraft.What features and perks does State Street Bank Better Interest checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $20.
- Fraud monitoring - State Street Bank Better Interest checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - State Street Bank Better Interest checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
What is the customer support email for State Street Bank Better Interest checking?
The customer support email for State Street Bank Better Interest checking is customer.service@cadencebank.com.
Contact
- Headquarters
-
3399 Peachtree Road NE
Atlanta, GA 30326 USA - (800) 414-4177
- Visit Site
- Email Support
Other Services by State Bank & Trust Co
Availability
Feature Breakdown
| Minimum Opening Deposit | Starting at $100 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $0.01 |
State Street Bank & Trust Checking Account Community Reviews
Would you recommend State Street Bank & Trust Checking Account to your friends?
Other Checking Accounts
- America's Credit Union Affinity Plus Checking
- Arvest Club Checking Account
- CNB Simply Checking
- Capital Bank Capital Checking Account
- Community First Bank Simply Free Checking
- First Citizens Bank Premier Checking Account
- Maine State CU Checking Accounts
- MembersFirst CU MembersFirst 55+ Checking
- Mohave Community FCU Basic Share Draft Account
- National Bank of Arizona Military Advantage Checking®
- Presidential Bank Advantage Checking
- Sunrise Banks Platinum Checking Account
