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Checking

SCB Personal Checking Accounts

Sevier County Bank has over a century's worth of knowledge about what our community needs and expects from their hometown bank. This insight, combined with the latest in technology and our sincere desire to make all the financial aspects of your life easier, makes SCB the only choice for your personal banking needs.
 
Your debit card and access to online and mobile banking are free with all SCB checking accounts. If you would like more information on any of the accounts listed below, please give us a call or stop by any branch to speak with one of our bankers.
  • $10 minimum deposit to open
  • $10 monthly service charge
  • Monthly service charge waived with enrollment in Online Banking AND e-Statement enrollment
  • Free debit card with unlimited transactions
  • Free online banking and mobile banking upon enrollment
  • Overdraft protection available
  • $50 minimum deposit to open
  • $5 monthly service charge
  • Monthly service charge waived with any one of the following:
    • Maintain a $500 daily balance
    • 1 or more direct deposits per statement cycle
    • 10 or more debit card transactions per statement cycle
    • Elect to receive e-Statements
  • Free debit card with unlimited transactions
  • Free online banking and mobile banking upon enrollment
  • Overdraft protection available
  • $1,000 minimum deposit to open
  • $10 monthly service charge
  • Monthly service charge waived with a $1,000 daily balance
  • Competitive variable interest rate based on tiers
  • Free debit card with unlimited transactions
  • Free online banking and mobile banking upon enrollment
  • Overdraft protection available
  • $150 minimum deposit to open
  • $7 monthly interest charge
  • Service charge waived with a $150 daily balance
  • Competitive variable interest rate based on tiers
  • 2 FREE boxes of bank specified checks per year
  • Free debit card with unlimited transactions
  • Free online banking and mobile banking upon enrollment
  • Overdraft protection available
 
 
 
 
 
 
Important Changes to our Funds Availability Policy:
 

Effective July 1, 2020, you will have access to more of your funds when one of the holds noted below is placed on your check deposit:

  • The $200 next business day availability for non-next day checks will increase to $225. This amount is used on case-by-case holds. 
  • For new customers, during the first 30-days your account is open, the $5,000 aggregation of all types of check deposits on any one banking day that are subject to the next-day availability requirement will increase to $5,525. 
  • The $5,000 threshold for exception holds for both new accounts and large deposits will increase to $5,525.
  • The $5,000 threshold for an account has been repeatedly overdrawn over the last six months will increase to $5,525.

 Please know that we will continue to notify you at the time you make your deposit if we are not going to make all the funds from your deposit available on the first business day.

The above policy changes reflect changes in Federal Regulation CC that is effective July 1, 2020.