Simply Checking

More for your Money

On the path to managing your money, the fewer obstacles the better. It’s why we offer these checking accounts that make use of simple and time-saving services, like online and mobile banking—and they’re all free.

Simply Personal Checking is straightforward and simple. EVERY NEW CHECKING ACCOUNT OPENED INCLUDES**

  • FREE Bill Pay
  • FREE Debit Card
  • FREE Online Banking
  • FREE Mobile Banking with Mobile Deposit
  • FREE eStatements with online check images
  • FREE ATM use anywhere, with unlimited ATM fee refunds 
  • BUY BACK of your unused checks and debit cards from another financial institution

Check out our personal checking account options below. Call us at 423-567-SBNK or come by any of our full-service branches from 8:30 a.m. to 5 p.m. Monday through Friday to learn more.



Simply Free Checking 
A FREE account for everyone.

Get more than you pay for with this checking account that provides everything you need to manage your money easily and efficiently, while asking for nothing in return.

  • $50 to open
  • No Minimum Balance
  • No Monthly Service Charge
  • FREE starter pack of personalized checks

Simply Direct Interest Checking Earn interest with the convenience of direct deposit or any automatic payment.

Put the cash you’re not spending to good use with this checking account that earns interest in addition to everything else it offers. Just sign up for direct deposit or any automatic payment.

  • $50 to open
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • FREE starter pack of personalized checks

Simply 50 Interest Checking A perfect account for customers 50 and over.

When you hit the 50 mark, there are many reasons to celebrate, including access to this free checking account that earns interest and includes free checks.

  • $50 to open
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • FREE personalized checks

Simply High Interest Checking An account for those interested in earning higher interest.

The more you save, the more you should be rewarded. This account earns an even higher interest rate on larger balances.

  • $50 to open
  • Higher interest rate with a balance of $1,000 or more
  • Competitive interest rate if balance falls below $1,000
  • A minimum balance fee of $6 will be imposed every statement cycle if the balance in the account falls below $1,000 any day of the statement cycle 
  • FREE personalized checks

With Simply Bank, you also get:


Please Note:

Please have your Social Security number handy at account opening. Our team will also verify your ID at account opening to safeguard your personal info. Any one of the following unexpired, unaltered forms of ID are acceptable to verify your identity. 

  • Driver’s License – first choice of identification
  • A temporary, officially issued paper driver’s license is acceptable if less than 30 days old
  • Probationary Driver’s License
  • Learner’s Permit
  • State Non-Driver ID Card
  • US Passport
  • US Military ID
  • Permanent Resident Card/Green Card
  • Foreign Passport – with current entry stamp if not issued in the US

Minors

  • Any document listed above for individuals
  • Student ID Card
  • Birth Certificate
  • Insurance Card
  • Affidavit Attesting to Minor’s identity, signed by guardian

*Certain restrictions apply. Ask your customer service representative for more details. **Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, third-party data fees, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Transaction items include all debits and credits. If the Simply Free Business or Simply Business Interest account exceeds 1,000 free monthly transactions, the account may be converted to another checking product. If the Simply Free Business or Simply Business Interest account exceeds $20,000 in monthly coin and currency deposits, the account may be converted to another checking product.

Go Paperless! Go Green!

Lost/Stolen ATM Card?

If your ATM/Debit card is lost or stolen, call 423-567-SBNK immediately. After hours, please call 855-775-8400 to receive immediate assistance.