Last Updated: 01/21/2026
State Street Bank & Trust Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 2%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0(Verified 01/21/2026)
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State Street Bank & Trust Checking Account Review
The 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.
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.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- 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
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State Street Bank Better Interest checking FAQ
Are checking accounts from State Bank & Trust Co federally insured?
Yes, your deposits are insured 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $1.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 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.
State Street Bank & Trust Checking Account Disclosure: To earn high interest and ATM fee refunds:
Have 10 debit card transactions post and settle per qualification cycle (excluding ATM withdrawals)
Have One Direct Deposit or one ACH debit post and settle per qualification cycle
Receive electronic statement each qualification cycle
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by State Bank & Trust Co
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State Street Bank & Trust Checking Account Community Reviews
Would you recommend State Street Bank & Trust Checking Account to your friends?
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Natalie S.
Oct 24, 2023
May or may not recommend
I can't say enough good things about my State Street Bank & Trust Checking Account. It's been a game-changer for my financial life. The account options are diverse, ensuring everyone finds a perfect fit. Online and mobile banking are incredibly user-friendly, making managing my finances a breeze. Access to a widespread ATM network without fees is a massive plus. What truly stands out is their exceptional customer service – responsive, ...Show More
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