AUTOMATED TELLER MACHINE (ATM)
Conduct transactions anytime - 24 hours per day, 365 days per year - at any SBC location. State Bank of Countryside is a member of both the national STAR® network and the worldwide CIRRUS® and PLUS® systems.
Therefore, you can use our machines, or any of the thousand other STAR®, CIRRUS®, or PLUS® machines. You may deposit, withdraw, check a balance, or transfer funds between accounts at anytime, day or night. Go to www.star-systems.com to find the location nearest you. (Note: Some STAR® machines limit the type of transactions offered; please check listing.)
You may also use your STAR® card for Point of Sale (POS) purchases. Look for the STAR® logo on POS terminals at gas stations, grocery stores and many other local establishments.
SBC TELEPHONE BANKING
1-888-411-4SBC (1-888-411-4722)
It's fast, it's easy and it's FREE!! When you need information, you call 411. When you need SBC information call 1-888-411-4-SBC! This will connect you to all your SBC accounts and their activity. SBC Telephone Banking allows you 24 hour access via touch-tone telephone to do any of the following:
- Receive up to date deposit balances and account information
- Transfer funds between deposit accounts (application form required)
- Verify if a particular check has cleared.
- Receive statement information via fax*
- Receive current rate and general information
Best of all, it's totally FREE! There are no additional fees for use of SBC Telephone Banking…not even the cost of a local call!! Just one more great reason to bank the State Bank of Countryside way.
* fax fee will be assessed.
Imagine, access to your checking account without having to carry around your checkbook! No more waiting for check approvals, no more worrying about whether or not a vendor will accept an out of town check when you are on vacation. The SBC Advantage Debit Card is accepted worldwide wherever you see the MasterCard logo --- from Tinley Park to Tahiti. Your SBC Advantage Debit Card also acts as your ATM card. It is your advantage in a fast paced world.
Best of all, it’s FREE*!! There is no charge to make a purchase with your SBC Advantage Debit Card. Stop in your nearest SBC location and pick up an application today!
*ATM fees may apply. Click here for our service fee schedule.
SBC ADVANTAGE DEBIT CARD REWARDS PROGRAM
You will earn CASH REWARDS on every SBC Advantage Debit Card purchase you make with our new Debit Card Rewards Program*. Your rewards are based on the number of debit card transactions you perform for any given statement cycle. So the more you use your card for purchases, the more money you receive!
You will earn 2˘ for every Personal Identification Number (PIN) Based Purchase (DEBIT option in the store) and 5˘ for every Signature Based Purchase (CREDIT option in the store)**. Plus, you’ll receive an extra bonus reward of $1.00 for every tenth (10th) Signature Based Purchase you make per statement cycle.
Rewards are paid monthly at the end of each statement cycle and are credited to the primary checking or NOW account connected to your SBC Advantage Debit Card***. The reward is paid on purchases in the month that the purchase posts to the account.
DEBIT CARD REWARDS – another way your SBC Advantage Debit Card gives you the advantage in a fast paced world.
*No rewards will be paid on ATM transactions. Savings and Money Market Accounts are not eligible for Debit Card purchases and the Rewards Program. Accounts closed prior to the payment date forfeit that payment.
**Signature Rewards will accumulate for the following types of transactions:
•Signature Based Point of Sale (POS) purchase transactions (CREDIT option in a store).
•Recurring payment transactions with external merchants.
•Online, mail order, and telephone POS purchase transactions.
***All cardholders who have a checking or NOW account are eligible for the rewards program. For NOW Accounts, any rewards totaling $10.00 or more in a calendar year will be reported to the Internal Revenue Service (IRS) on a 1099. For Consumer Checking Accounts, any rewards totaling $600.00 or more in a calendar year will be reported to the IRS on a 1099.
SBC BUSINESS ADVANTAGE DEBIT CARD
The SBC Business Advantage Debit Card allows you easy access to your business checking account without writing checks. It is accepted worldwide wherever the MasterCard logo is displayed. The SBC Business Advantage Debit Card also acts as an ATM card and allows you to withdraw cash from your business account. Each authorized signer on your business account is eligible to receive a debit card. The account owner or principal may delegate different authority limits for each card. To apply for the SBC Business Advantage Debit Card please see a Financial Counselor at any SBC location.
SBC BUSINESS ADVANTAGE DEBIT CARD REWARDS PROGRAM
You will earn CASH REWARDS on every qualified* SBC Business Advantage Debit Card purchase you make with our Debit Card Rewards Program. Your rewards are based on the number of debit card transactions you perform for any given statement cycle. So the more you use your debit card for purchases, the more CASH REWARDS you will receive!
You will earn 10˘ for every Signature Based Purchase (CREDIT option in the store)**. Plus, you will receive an extra bonus reward of $1.00 for every twentieth (20th) Signature Based Purchase you make per statement cycle.
Rewards are paid monthly at the end of each statement cycle and are credited to the primary business checking account connected to your SBC Business Advantage Debit Card***. The reward is paid on purchases in the month that the purchase posts to the account.
DEBIT CARD REWARDS – another way your SBC Business Advantage Debit Card gives you the advantage in a fast paced world.
*No rewards will be paid on ATM transactions or Personal Identification Number (PIN) Based transactions (using the DEBIT option in the store). Savings and Money Market Accounts are not eligible for Debit Card purchases and the Rewards Program. Accounts closed prior to the payment date forfeit that payment.
**Signature Rewards will accumulate for the following types of transactions:
•Signature Based Point of Sale (POS) purchase transactions (CREDIT option in a store).
•Recurring payment transactions with external merchants.
•Online, mail order, and telephone POS purchase transactions.
***All cardholders who have a business checking account are eligible for the rewards program. For Sole Proprietor NOW Accounts, any rewards totaling $10.00 or more in a calendar year will be reported to the Internal Revenue Service (IRS) on a 1099. For Business Checking Accounts, any rewards totaling $600.00 or more in a calendar year will be reported to the IRS on a 1099.
TRIPLE SBC BUSINESS ADVANTAGE DEBIT CARD REWARDS OFFER
You will earn cash rewards on every qualified* purchase you make with your SBC Business Advantage Debit Card. The rewards you receive are based on the number of debit card transactions you make during any given statement cycle. The more you use your card, the more cash rewards you receive!
Sign up today for a SBC Business Advantage Debit Card and you will receive TRIPLE REWARDS** for the first sixty (60) days that your card is activated. You will earn $0.30 for every Signature Based Purchase (CREDIT option in the store) and a $3.00 bonus for every twentieth (20th) Signature Based Purchase you make per statement cycle.
Sixty-one (61) days after your card is activated, you will earn our regular Debit Card Rewards, which pay as follows: $0.10 for every Signature Based Purchase (CREDIT option in the store) and a $1.00 bonus for every twentieth (20th) Signature Based Purchase per statement cycle.
Your rewards are credited to the primary business checking account connected to your SBC Business Advantage Debit Card. You regular rewards are paid on purchases in the month that the purchase posts to the account. The extra rewards will be paid on the statement cycle following the month the purchase posts to the account***. Together it TRIPLES your rewards!
Act now and you will receive a $25.00 gift card** from the following store of your choice: Home Depot, Dunkin Donuts, Menards or Lowes!! Hurry, this offer is for a limited time only!
If you have any questions about our Debit Card Rewards Program, please speak to a financial counselor at any of our locations.
*No rewards will be paid on ATM transactions or Personal Identification Number (PIN) Based transactions (using the DEBIT option in the store). Accounts closed prior to the payment date forfeit that payment. Signature Rewards will accumulate for the following types of transactions: Signature Based Point of Sale (POS) purchase transactions (CREDIT option in the store); recurring payment transactions with external merchants; online, mail order, and telephone POS purchase transactions. For Sole Proprietor NOW Accounts, any rewards totaling $10.00 or more in a calendar year will be reported to the Internal Revenue Service (IRS) on a 1099. For Business Checking Accounts, any rewards totaling $600.00 or more in a calendar year will be reported to the IRS on a 1099.
**Triple Rewards and $25.00 gift card are for new SBC Business Advantage Debit Card cardholders only. Only one gift card will be given for each qualifying business checking account. State Bank of Countryside reserves the right to end these promotions at any time without any reason or notification.
***All cardholders who have a business checking account are eligible for the Debit Card Rewards Program. Extra rewards pay $0.20 for every Signature Based Purchase (CREDIT option in the store) and a $2.00 bonus for every twentieth (20th) Signature Based Purchase you make per statement cycle during your first 60 days of activation.
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Do you issue large volumes of checks every month? Wouldn’t it be nice to have all of those check images on one CD? Now you can with our new Check Image CD service.
This service compiles all of your check images for your statement cycle onto a single disc that can hold images for up to 5 deposit accounts. Check Image CDs offer all of the benefits that you have been asking for:
- EASY ACCESS - You can quickly search for a specific check by date, check number, or dollar amount.
- EXTRA STORAGE - You will use less paper and fewer folders, creating more space in your file cabinets.
The Check Image CD is produced monthly at the end of each statement cycle. There is a monthly fee of $30 per CD* with a one-time initial set up fee of $50.
Requests made by the 12th of each month will receive the following month’s checks on CD. For example, if you make your request for a Check Image CD by April 12th, your first Check Image CD will contain May’s check images.
For additional information or to sign up for this service, please contact a financial counselor at any State Bank of Countryside location.
*Duplicate CDs are $30 each.
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State Bank of Countryside has teamed with MasterCard® to bring you added security when you are shopping online. MasterCard® SecureCode™ is a new program that provides added protection against unauthorized use of your card when you shop at participating online merchants.
Each time you make a purchase with a participating online merchant, a pop up window from State Bank of Countryside will appear with your personal greeting and will prompt you to enter your Secure Code. When you correctly enter your Secure Code, you are confirmed as an authorized cardholder, and your purchase is completed. Even if someone obtains your debit card number, purchases cannot be processed at participating vendors without your private Secure Code. Using your Secure Code is just like using your Personal Identification Number (PIN) at an ATM.
To sign up, please click on the link below.
https://secure4.arcot.com/vpas/sbc348mc/i18n/
en_US/index.html
To learn more about the MasterCard® SecureCode™ Program,
go to MasterCard’s website
at www.mastercard.com/securecd/faq.do.
The Deposit Operations Department handles all of the back-room operations for our customers. They are the ones that make sure your deposits post properly, your checks get paid timely, and your customer information is up-to-date in our records. Deposit Operation hours are Monday through Friday 9:00am - 5:00pm. In addition to the above, they are there to help you with:
- Statements Questions
- Funds Transfers
- Credit Verification Letters
- Tax Levy/Garnishment
- Account Research
- Hold Mail
DIRECT DEPOSIT AND DIRECT DEBITS
With Direct Deposit, you'll save time and worries. No more concern about lost or stolen checks. No waiting for the mail to arrive. No more standing in the teller line cashing or depositing the check. It's the easiest, safest, most convenient way to deposit your payroll, Social Security, or any other regular income checks sent directly to your SBC account. Best of all, your funds are immediately available for your use. Ask any one of our Financial Counselors for details.
Or, set-up your State Bank of Countryside account to receive direct debits from many service providers, such as the phone company, utilities, or certain merchants. It, too, saves you time and money. No more writing out checks or paying postage. The company automatically deducts your bill payment from your SBC account each month and your bill is paid. Contact your service provider to see if they are a participant.
A land trust is a unique package of benefits that offers real estate owners the advantage of ownership without many of the problems and complications that usually go along with it.
Land Trusts provide you, the Beneficiary, all of the rights and conveniences of ownership while State Bank of Countryside, as Trustee, assumes legal and equitable title to the real estate. When title to real estate is held in land trust, the interest of the Beneficiary is considered personal property. The beneficial interest can be sold, pledged or assigned without the formality of a recorded deed. The Beneficiary may retain all of the management rights and responsibilities, while the Trustee executes the administrative duties upon the written direction of the Beneficiary.
The Beneficiary of a land trust can retain control over the property during his or her lifetime with the succession of ownership effective upon death. This often avoids the expense of probate proceedings.
For more information on Land Trusts, please call 708-485-9920.
Letter of Direction*
Letter of Direction to Convey*
Trust Agreement*
Deed in Trust*
* You will need Adobe Acrobat or Acrobat Reader in order to view these files. You may download a free copy of the Acrobat Reader from the following site: http://www.adobe.com/products/acrobat/readstep2.html
**Land Trusts are not a FDIC Insured Product.
State Bank of Countryside can accept Master Card, Visa, and American Express payment-credits to your account. This service can be done with any vendor of your choice. Please contact one of our Financial Counselors for full details.
For your added convenience, each of our bank offices have handy 24-hour night depositories outside the building. A letter size envelope will fit through the slot, however keys are needed to use the night depositories for larger deposit bags. Your deposit will be processed on the next business day, and a receipt will be mailed to you promptly.
Notary service is available at all SBC offices for our customers only and is offered free of charge.
A Power of Attorney (POA) is a legal form that is designed to assist you in times of need. The POA allows a friend or loved one to transact business on your account in the event you are ill or incapacitated. State Bank of Countryside recognizes the Illinois Statutory Short Form Power of Attorney.
Due to the complexity of Power of Attorneys, we recommend that you consult your attorney for assistance.
The following link is to the State of Illinois Power of Attorney Act for Health Care.
www.legis.state.il.us/legislation/ilcs/ch755/
ch755act45articles/ch755act45sub4.htm
Important papers, jewelry, coin collections, or other valuables are too important to risk losing to theft, fire or natural disasters. Safe Deposit Boxes offer you the comfort of knowing your valuables are secure. We offer safe deposit boxes in a variety of sizes at all SBC locations with the exception of our Chicago office. Please call the SBC location nearest you to check on size availability.
3x5x21
5x5x21
3x10x21
5x10x21
10x10x21
FDIC Insurance does not apply to contents of safe deposit boxes. Nor does State Bank of Countryside insure box contents in any way. The contents of the box are confidential and known only to you and you are responsible for any insurance you feel is necessary on your box content.
Now you can receive your statement electronically with State Bank of Countryside (SBC) eStatements. SBC eStatements is a faster, more secure way to view your bank statements.
There is no need to wait for the mail to arrive. Your eStatement will be ready to view within 72 hours of your statement cycle end date. We will email you a notification, which will not contain any personal or account information, to let you know your eStatement is available. Simply log in to SBC Internet Banking to view your eStatement.
No more piles of paper to keep track of. You can save your eStatements as PDF files on your computer and archive them any way you want.
SBC eStatements is a FREE service and is available for business and consumer checking, savings, certificate of deposit and money market accounts. All you need is to be enrolled in SBC Internet Banking, have a valid email address, and have access to a personal computer.
Signing up is easy. After you log into SBC Internet Banking, just click on the Statements button located on the left side of your screen, then follow the enrollment instructions. For more information or if you need help signing up, please contact a financial counselor at any State Bank of Countryside location.
Any stop payment order placed by you with us must specify the exact amount of the check, account number, payee, date and sequence number of the item. Stop payments cannot be guaranteed until midnight of the business day following the day the stop payment was placed. Notice of stop payment may be given by phone or in writing. Unless released by you in writing prior to the expiration, phone requests are effective for fourteen (14) business days; written requests are effective for six (6) months.
Stop payments may also be done online if you have signed up for Internet Banking.
SBC tellers stand ready to help at any time. All SBC Offices offer the following list of teller services.
- Coin / Currency Orders
- Illinois License Stickers
- FICA Payments
- Savings Bonds
- Traveler's Checks
- Collection Services
- Cashier's Checks
- Money Orders
- Cash Advances (Visa, MasterCard, and American Express Gold Card)
There's no time like today to begin saving to provide for a secure tomorrow. U.S. Savings Bonds are easy to purchase and are backed by the full faith and credit of the United States Government. Click below to order your bonds online directly from the government.
Every State Bank of Countryside location now offers Visa Gift Cards*, a perfect gift for any occasion. Visa Gift Cards are available in $30.00, $50.00, and $100.00 denominations. Stop by our Teller Line for more information.
*Activation fee will apply.
Wire transfers allow for the rapid electronic transfer of money between financial institutions. You can use a wire transfer to move your funds from one place to another without doing any of the "legwork" yourself. The funds are moved through the Federal Reserve System the same day. SBC wire transfer services are available only for SBC customers.
Outgoing wire transfer requests must be made in person at any one of our SBC offices; no phone, fax, or e-mail requests are accepted. Outgoing wire transfers can be made Monday through Friday, between the hours of 8:00am and 3:00pm.
State Bank of Countryside will also accept incoming wires on your behalf. If you are having money sent in to State Bank of Countryside, please contact our Administrative Resources Department to ensure you have the correct Bank information to complete your transaction; 708-485-9770.
Foreign wire transfers require special instructions, please contact our Administrative Resources Department 708-485-9770, for full details.
