Consumer Savings: 

Ready to start working on that emergency fund? Consider a Consumer Savings account that provides these benefits:

• No minimum balance required to open account

• Unlimited deposits

• Earns Interest^

• Service Charge based on an average daily balance within a statement cycle

  • $0.00 - $199.99 = $4.00 Service Charge

  • $200.00 & Above = $0.00 No Charge

• Online / Mobile Banking Access

• Withdrawal Limits Apply1

• $4 Excessive Debits Fee per debit after 10 debits each statement cycle

^ Interest rate is subject to change at any time, it is compounded monthly and is credited into the Consumer Savings account monthly. No minimum balance is required to earn interest.

Non-sufficient Funds (NSF) Fees Apply

Dormant Service Charge may be assessed after 12 months of inactivity when an account balance is below $100.

1 Withdrawal limits apply -$4 Excessive Debits Fee per debit after 10 debits each statement cycle.

Account Disclosure

Youth Savings:

Are the kids' piggy banks full? Come in and check out the benefits of our account. The Youth Savings account provides these benefits:

• No minimum balance required to open account

• Unlimited deposits

• Earns Interest^

• No Service Charge

• Online / Mobile Banking Access

• Withdrawal limits apply1

• Primary account holder must be 18 or younger

^ Interest rate is subject to change at any time, it is compounded monthly and is credited into the Youth Savings account monthly.

Non-sufficient Funds (NSF) Fees Apply

Dormant Service Charge may be assessed after 12 months of inactivity when an account balance is below $100.

Account will automatically change to a Regular Savings when primary account owner turns 19

1 Withdrawal limits apply

Account Disclosure

Health Savings Account:

Do you have a high deductible insurance plan with your medical carrier? A Health Savings account provides these benefits:

• No minimum balance required to open account

• Unlimited deposits or withdrawals*

• Earns Interest^

• No Service Charge

• Online / Mobile Banking Access

* While SNB does not limit the number or amounts of deposits or withdrawals, total contribution limits are established each year by the IRS.

^ Interest rate is subject to change at any time, it is compounded monthly and is credited into the Health Savings Account. A minimum balance is required to earn interest.

Non-sufficient Funds (NSF) Fees Apply

Dormant Service Charge may be assessed after 12 months of inactivity when an account balance is below $100.

Account Disclosure

First- Time Home Savings:

The first-time home savings account can be used for the purchase or construction of a real-property, primary residence in the state of Kansas, when qualifying as a first-time home buyer:

• There are maximum annual contributions of $3,000/individual or $6,000/married filing jointly

• The maximum account balance in $50,000 (be sure to allow for interest)

• You must allow 1 year to pass before the funds can be used

• The account holder is responsible for ensuring all requirements are met

^ Interest rate is subject to change at any time, it is compounded monthly and is credited into the Health Savings Account. A minimum balance is required to earn interest.
Non-sufficient Funds (NSF) Fees Apply
Dormant Service Charge may be assessed after 12 months of inactivity when an account balance is below $100.
Withdrawal Limits Apply1
$4 Excessive Debits Fee per debit after 10 debits each statement cycle

Account Disclosure

IRA & CD:

Please contact your local branch for current rates.