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Personal Banking Services

Sturgis Bank & Trust Company offers an array of banking services to assist you in your financial goals. Browse our selection and as always Contact a Customer Service Representative for assistance.

Card Services

Visa® Check Card

A Visa® Check Card from Sturgis Bank & Trust Company features:

• Free, no service fees*
• 24 hour access, 7 days a week
• Worldwide usage wherever Visa is accepted
• Access to withdraw cash from ATM locations (ATM withdrawals can be made from a checking account or savings account. ATM withdrawals made on non-owned locations could be subject to fees.)

Visa® Check Cards are available with these accounts -  Personal Checking accounts, Sole Proprietor Checking

To avoid a service fee *-Use Sturgis Bank & Trust Company ATM locations.

Note: Not available with Super Multiplier Money Market accounts

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ATM Card

An ATM Card from Sturgis Bank & Trust Company features:

• Free, no service fees* for card
• 24 hour access, 7 days a week
• Access to withdraw cash from ATM locations (ATM withdrawals can be made from a savings account or checking account. ATM withdrawals made on non-owned locations may be subject to fees.)

ATM Cards are available with these accounts - Personal Savings, Personal Checking, Sole Proprietor Checking

To avoid a service fee -*Use Sturgis Bank & Trust Company ATM locations.

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Visa® Gift Card

A Visa® Gift Card features:

• Instant active upon load
• Accepted at 25 million Visa® merchants
• Load from $25 to $500
• Up to 18 months expiration
• Cardholder support 24/7
• Replacement cards available if lost or stolen

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Visa®TravelMoney Card

A Visa® TravelMoney card features:

• PIN and signature protected
• US Dollar prepaid card that can be used at any Visa® merchant, or at any Visa® ATM to withdraw cash
• 3 Reloads, minimum load $250, maximum $9,999 
• Reload in a Bank Branch, online or by phone with an ACH transfer from your checkingor savings account
• 2 Additional cards available
• Up to 24 months expiration

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Electronic Services

Personal Internet Banking

Personal Internet Banking features:

• Free, no service fees
• 24 hour access, 7 days a week
• View account balances and recent transactions on all personal accounts (past and present balances)
• View account history
• Transfer funds between checking, savings and home equity line of credit accounts
• Pay bills (not available for non personal accounts)
• View real time transactions
• View and initiate on-line loan payments for same day credit if confirmed by 6:00 p.m. that day
• View available credit on overdraft protection (if available) and home equity line of credit

Internet Banking is available with - Personal Checking, Personal Savings, Non-personal Savings, Certificates of Deposit, IRA’s, Personal Mortgage and Loans

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Internet BillPay

BillPay features

• Free, no service fees for on-line bill payment services
• 24 hour access, 7 days a week
• View account balances and recent transactions on all personal accounts (past and present balances)
• View account history
• Transfer funds between checking, savings and home equity line of credit accounts
• Pay bills (not available for non personal accounts)
• View real time transactions
• View and initiate on-line loan payments for same day credit if confirmed by 6:00 p.m. EST that day
• View available credit on overdraft protection (if available) and home equity line of credit

BillPay is available with a - Personal Checking

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Telebank Phone Banking

Telebank Phone Banking features:

• Free, no service fees
• 24 hour access, 7 days a week
• Check account balances and recent account history on all personal accounts (past and present balances)
• Check status of specific check to see if it has cleared your account
• Transfer funds between deposit accounts
• Transactions completed by 6:00 pm EST post on that day’s business
• Account inquiry for loan payments
• Account inquiry for Certificates of Deposit
• Customize your Personal Identification Number (PIN) for added security

Telebank is available with these accounts  - Personal Checking, Business Checking, Personal Savings, Non-personal Savings, Certificate of Deposits, IRA’s, Personal  Mortgage and Loans

Telebank Local Numbers	269-659-8595 269-659-8596
Telebank Toll Free Numbers	877-848-3637

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Direct Deposit

Direct Deposit a simple, safe, secure and fast way of depositing ongoing regularly scheduled payments such as paychecks (if your employer offers Direct Deposit), retirement benefits and government payments features include:

• Free, no service fees
• Immediate access to your deposit
• Immediate interest earning capability if deposited in interest bearing account
• Deposits may be made to one or split to several accounts

Direct Deposit is available with these accounts - Personal Checking, Personal Savings, Non-personal Savings

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Insurance

Mortgage Life Insurance

Provides an affordable life insurance coverage to pay off or reduce the amount of your mortgage in the event of your death features include: 

• Coverage can be individual or joint ownership
• Full or partial mortgage coverage (maximum coverage may apply)
• Insurance payments made with regular mortgage payments

Subject to approval. Some restrictions may apply.

Mortgage Accidental Death Insurance

Provides an affordable accidental death insurance coverage to pay off or reduce the amount of your mortgage in the event of your accidental death features include:

• Coverage can be individual or joint ownership
• Full or partial mortgage coverage (maximum coverage may apply)
• Insurance payments made with regular mortgage payments

Subject to approval. Some restrictions may apply.

Mortgage Disability Insurance

Provides an affordable disability insurance coverage to assist in the payments of your mortgage in the event of your disability features include: 

• Coverage can be individual or joint ownership
• Full or partial mortgage payment coverage
• Insurance payments made with regular mortgage payments

Subject to approval. Some restrictions may apply. 

Other Personal Banking Services

• QuikChange Full Service Solution
• Private Banking
• Safe Deposit Boxes
• Cashier Checks
• Wire Transfers
• Money Orders
• Foreign Drafts and Foreign Currency
• Overdraft Protection
• Night Depository
• Notary Service
• Check SafeKeeping
• Check Imaging

Contact a Customer Service Representative to learn more about these services.

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