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Banking

Personal Banking

Personal Checking

Account Type Learn More Min. Amount to
Open Account
Monthly Service Charge Balance to Avoid Service Charge Interest Bearing Additional Restrictions
Regular More » $50 $0 N/A No N/A

Regular Checking:

Our regular checking accounts are basic, non-interest bearing accounts designed to meet everyday checking needs.

Features:

  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • FREE e-Statements
  • Available bounce protection
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
NOW More » $50 $5 $750 Yes N/A

NOW Checking:

Personal NOW checking accounts combine the convenience of a checking account with the ability to earn interest on unused funds.

Features:

  • Interest bearing (variable rate; subject to change daily)
  • No monthly service charge if daily balance remains above $750
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • FREE e-Statements
  • Unlimited check writing
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Money Market More » $50 $5 $1,000 Yes N/A

Money Market Checking:

Money market checking accounts are tiered interest bearing, limited transaction checking accounts that reward daily balances.

Features:

  • Interest bearing (tiered rate; subject to change daily)
  • Interest calculated daily on collected funds
  • No monthly service charge if daily balance remains above $1,000
  • FREE checks
  • FREE online banking / bill pay
  • FREE e-Statements
  • 6 FREE debits per month; $2 per additional debit (fees may reduce earnings on this account)
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Senior Regular* More » $50 $0 N/A No Age 55 & over

Senior Regular Checking:

Senior regular checking accounts offer our 55-year-old and older customers the convenience of a no-minimum balance, FREE checking account.

Features:

  • No monthly service charge
  • No minimum balance requirement
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • FREE e-Statements
  • FREE checks (Specialty Blue only)
  • Unlimited check writing
  • Available bounce protection
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Senior NOW* More » $50 $0 N/A Yes** Age 55 & over

Senior NOW Checking:

Senior NOW checking accounts, an option for our 55-year-old and older customers, include the same great benefits as our regular senior checking accounts but have the added opportunity of earning interest on collected funds.

Features:

  • Interest bearing (variable rate; subject to change daily)
  • Interest is calculated daily on collected funds
  • No monthly service charge
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • FREE e-Statements
  • FREE checks (Specialty Blue only)
  • Unlimited check writing
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)

All accounts closed within the first 90 days will be subject to a $25 service charge.  Other fees, such as overdraft or returned item fees, may apply.

* There is a limit of 1 FREE senior regular account or senior NOW account per customer.

** If the daily balance drops below $750 on any day of the statement cycle, no interest will be paid.

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Personal Savings

Account Type Learn More Min. Amount to
Open Account
Monthly Service Charge Balance to Avoid
Service Charge
Statement More » $50 $3 $100

Statement Savings:

Statement savings accounts are basic, interest bearing accounts where you can watch your money grow.

Features:

  • Interest bearing (variable rate; subject to change daily; compounded and paid quarterly)
  • No monthly service charge if daily balance remains above $100
  • Available:
    • ATM card
    • Online banking
    • e-Statements
  • Unlimited in-person deposits and withdrawals
  • 6 pre-authorized debits and electronic / telephone transfers per month
  • Statements produced quarterly
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Minor* More » $50 N/A N/A

Minor Savings:

Our minor savings accounts are a FREE, no-minimum balance, interest bearing way to encourage youth bankers to save.

Features:

  • Interest bearing (variable rate; subject to change daily; interest compounded and paid quarterly)
  • No monthly service charge
  • No minimum balance requirement
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Christmas Club More » $25 N/A N/A

Christmas Club Savings:

A Christmas club savings account is a great way to save for the holidays.  These interest bearing accounts allow funds to grow untouched until the second Wednesday in October.

Features:

  • Interest bearing (daily, simple interest)
  • All funds automatically deposited into your checking or savings account at end of term
  • Easy-to-set up automatic funds transfers from other accounts at intervals of your choosing
  • FREE online banking
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Health Savings Account More » $100 $3 N/A

Health Savings Account:

Health savings accounts allow individuals to save for medical expenses through a high-deductible health plan.

Features:

  • Interest bearing (daily periodic rate; subject to change daily; compounded and paid monthly)

All accounts closed within the first 90 days will be subject to a $25 service charge.

* Customers under the age of 18 are considered to be minors.  All minor savings accounts must be opened with a person 18 years old or older.

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Personal CDs and IRAs

Certificates of deposit (CDs) offer another way to save.  These long-term savings plans typically offer a higher rate of interest than standard savings accounts.  Our CD terms range from 6 months to 5 years and offer a variety of rates.  With as little as $500 you can open the CD that is right for you and start saving today.

Individual retirement accounts (IRAs) are a great way to invest in your future.  Traditional IRAs allow you to defer taxes on the earnings from your contributions until funds are withdrawn.  Certain contributions may be tax deductible in the year in which they are made.  Roth IRAs allow contributions to be made on a non-deductible basis.

For more information on our CD and IRA options, please contact a customer service representative at 906.482.0404. 

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Business Banking

Business Checking

Account Type Learn More Min. Amount to Open Account Monthly Service Charge Balance to Avoid Service Charge Interest Bearing
Small Business More » $50 N/A N/A No

Small Business Checking:

Small business checking accounts are designed for small businesses, such as sole proprietorships and DBAs, with moderate to low levels of activity.

Features:

  • No monthly service charge
  • 200 FREE items per statement cycle; $0.20 per additional item
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • FREE e-Statements
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Basic Business More » $50 N/A N/A No

Basic Business Checking:

Basic business checking accounts are geared towards sole proprietors and DBA customers whose businesses experience more transaction activity and higher balances than small businesses.

Features:

  • No monthly service charge
  • Earnings credit per statement cycle of $0.10 per every $100 of the Average Collected balance (up to the service charge amount assessed per statement cycle)
  • Transit items not drawn on SNB are assessed a service charge of $0.03 per item
  • Deposit tickets and checks drawn on SNB are assessed a service charge of $0.05 per item
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • FREE e-Statements
  • Unlimited check writing
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Commercial More » $50 $5 N/A No

Commercial Checking:

Commercial checking accounts are designed with corporations and LLCs in mind.  These accounts are high volume, high activity accounts.  

Features:

  • $5 monthly service charge
  • Earnings credit per statement cycle of $0.10 per every $100 of the Average Collected balance (up to the service charge amount assessed per statement cycle)
  • Transit items not drawn on SNB are assessed a service charge of $0.03 per item
  • Deposit tickets and checks drawn on SNB are assessed a service charge of $0.10 per item
  • FREE online banking / bill pay
  • FREE e-Statements
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Business One More » $50 $6 $5,000 Yes

Business One Checking:

The Business One checking account is for entrepreneurs who wish to earn interest on the money they have with us.

Features:

  • Interest is accrued on a daily collected balance (variable; subject to change daily)
  • No monthly service charge if Average Collected balance is above $5,000 (a $6 monthly service charge plus a $0.10 per item charge applies when daily balance is $5,000 or less)
  • FREE online banking / bill pay
  • FREE ATM / debit card
  • Not available to corporations
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Public Funds More » $50 $3 $2,500 No

Public Funds Checking:

Public funds checking accounts are a non-interest bearing option for governmental agencies such as counties, cities, townships, and schools.

Features:

  • No monthly service charge if Average Collected balance is above $2,500 (a $3 monthly service charge plus a $0.10 per item charge applies when daily balance is $5,000 or less)
  • Earnings credit per statement cycle of $0.10 per every $100 of the Average Collected balance (up to the service charge amount assessed per statement cycle)
  • Images can be returned with monthly statements
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • Unlimited check writing
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Public Funds NOW More » $50 $6 $5,000 Yes

Public Funds NOW Checking:

Public funds NOW checking accounts are an interest bearing option for governmental agencies such as counties, cities, townships, and schools.

Features:

  • Tiered interest rate (variable; subject to change daily)
  • Images can be returned with monthly statements
  • No monthly service charge if Average Collected balance is above $5,000 (a $6 monthly service charge plus a $0.10 per item charge applies when daily balance is $5,000 or less)
  • Daily balance must remain above $5,000 for interest to be paid
  • FREE ATM / debit card
  • FREE online banking / bill pay
  • Unlimited check writing
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)
Business Money Market More » $50 $5 $1,000 Yes

Business Money Market Checking:

This is a business checking account with limited transactions allowed that earns interest on a tiered-rate plan.

Features:

  • Interest bearing (rate is variable; calculated daily on collected funds)
  • Competitive interest rates compared with money market / mutual fund rates offered at brokerage firms
  • No monthly service charge if daily balance remains above $1,000
  • 6 transactions per statement cycle
  • FREE checks
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)

All accounts closed within the first 90 days will be subject to a $25 service charge.  Other fees, such as overdraft or returned item fees, may apply.

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Business Savings

Statement Savings:

Statement savings accounts are basic, interest bearing accounts where you can watch your money grow.

Features:

  • Interest bearing (variable interest rate subject to change daily; compounded and paid quarterly)
  • No service charge with balance over $100
  • Available:
    • ATM card
    • Online banking
    • e-Statements
  • 6 pre-authorized debits and electronic / telephone transfers per month
  • Unlimited in-person deposits and withdrawals
  • Statements are produced quarterly
  • FDIC insured deposits (subject to the FDIC $250,000 limit per depositor category)

All accounts closed within the first 90 days will be subject to a $25 service charge.

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Business CDs

Certificates of deposit (CDs) offer another way to save.  These long-term savings plans typically offer a higher rate of interest than standard savings accounts.  Our CD terms range from 6 months to 5 years and offer a variety of rates.  With as little as $500 you can open the CD that is right for you and start saving today.

For more information on our CD options, please contact a customer service representative at 906.482.0404.

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Online Services

Online Banking for Personal Account Holders

Online Banking:

Would you like to have easy access to your Superior National Bank accounts?  With this FREE online service, you can access your accounts and perform transactions whenever and wherever it is most convenient for you.

Features:

  • View account balances and transactions posted to your SNB accounts and loans
  • Transfer funds between your SNB accounts
  • Make payments on your SNB loans
  • View and / or print check images
  • Set up stop payments on checks ($32 fee applies to each stop payment)
  • View and / or print statements from up to six months previous
  • Save electronic copies of statements to a computer

Online Banking User Guide (PDF format)
Customize Your Online Banking Experience with My NetTeller User Guide
(PDF format)
Need to Setup or Reset your Online Banking PIN? Learn how. (PDF format)
Online Banking Frequently Asked Questions

 


Bill Pay:

Bill Pay is a FREE, secure, and convenient way to pay bills directly from your checking account at Superior National Bank.

Features:

  • Pay bills online directly from an SNB checking account
  • Set up recurring payments
  • Pay bills at anytime from anywhere Internet access is available
  • Save postage and check writing

Bill Pay User Guide (PDF format)
Bill Pay Frequently Asked Questions (PDF format)


Interbank Transfers:

Do you have accounts at more than one financial institution?  Sign up for interbank transfers!  After inputting your accounts' information, you can transfer funds between them easily and FREE-of-charge.

Bank-to-Bank Transfer User Guide (PDF format)
Bank-to-Bank Transfer Application (PDF format)

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Online Banking for Business Customers

Would you like to have a way to easily keep track of your Superior National Bank accounts?  With this FREE online service, you can access your accounts and perform transactions whenever and wherever it is most convenient for you.

Features:

  • View account balances and transactions that have posted to your SNB accounts and loans
  • Transfer funds between your SNB accounts
  • Make payments on your SNB loans
  • View and / or print check images
  • Set up stop payments on checks ($32 fee applies to each stop payment)
  • View and / or print statements from up to six months previous
  • Save electronic copies of statements to a computer

Cash management features:

  • Automated clearing house (ACH) origination
  • Direct deposit / payroll
  • Online bill pay
  • Remote deposit capture

Automated Clearing House (ACH) Origination:

  • Manage your payroll
  • Upload ACH files created by other programs
  • Set up employee user access relevant to their responsibilities
  • Send vendor payments
  • Collect payments from customers

Direct Deposit / Payroll:

Direct deposit allows you to eliminate writing paper payroll checks by allowing you to directly deposit paychecks into an checking or savings account, regardless of the financial institution.

Advantages:

  • Save money and time by eliminating paper payroll checks
  • Eliminate stop payment fees and the reissuing of lost payroll checks
  • Make it more convenient for employees because there is no need to go to their financial institution to cash their payroll check

Bill Pay:

Bill Pay is a FREE, secure, and convenient way to pay bills directly from your checking account at Superior National Bank.

  • Can set up recurring payments
  • Payment will reach payee within three business days when sent electronically

Remote Deposit Capture:

Remote deposit capture allows you to scan and deposit checks into your bank account from your office using a PC and check scanner.  It is recommended that you speak with a Cash Management specialist as there are fees associated with this product.

  • Requires a Windows-based computer and an Internet connection
  • Requires a scanner
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Online Banking e-Statements

Prevent paper clutter by signing up for e-Statements – a FREE, safe, and secure alternative to paper statements sent by mail.  Click here to enroll and find step-by-step instructions on how to get started!

Features:

  • Instant availability (the first business day after the statement cut off date)
  • Email notification of e-Statement availability
  • View and / or print statements from up to six months previous
  • Save electronic copies of statements to a computer
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Mobile Banking

Mobile Banking

If you've got a smartphone, we've got the app for you.  Superior National’s Mobile Banking allows you banking on the go.  It’s free to download to your smartphone and allows for quick access to your Online Banking account.  Our app is fast, FREE and secure.  Use your current Online Banking credentials to start banking on the go today!

Features:

  • Check account balances
  • Transfer funds between your SNB accounts
  • View check images
  • Set up bills to be paid
  • Locate our ATMs and branch locations

Visit your device's app store and search "SNB&T" to download.

Security Tips for Mobile Banking (PDF format)

QR for iPhone   QR for Android

Apple AppGoogle PlayApp Demo

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Additional Services

Safe Deposit Boxes:

Store your valuables and important papers in the safe, secure, and confidential safe deposit boxes at Superior National Bank.

Features:

  • Documented record of entries into the safe deposit box
  • Available to individuals, groups, and businesses
  • Fire and water resistant safe deposit boxes
  • Choose from a variety of safe deposit box sizes and rental rates
  • Available at the Hancock (Main Office), Houghton (Ridgecrest Plaza Office), Calumet, Mohawk, Chassell, Baraga, and L’Anse branch locations
  • Contents of safe deposit boxes not insured by SNB

Wire Transfers:

Need to transfer money fast?  Superior National Bank offers its customers access to both domestic and international wire transfers so funds can be quickly moved wherever they are needed.

Features:

  • Wire transfers take place reliably and securely
  • Corporate clients may arrange self-managed wire transfers
  • Funds being transferred must be paid in cash or by collected funds from an SNB account
  • Available only to SNB customers

Fees:

  • Outgoing domestic wire transfer: $25
  • Outgoing international wire transfer: $50
  • Incoming domestic wire transfer (to an SNB account): $5

Direct Deposit:

Direct deposit is a safe, convenient, and FREE service that allows funds to be obtained faster.

Features:

  • Eliminates the risk of lost or stolen checks
  • Reduces trips to a financial institution
  • Any regularly scheduled payment may be deposited into a SNB checking or savings account

How to sign up:

  • Check with your company's payroll department (or other payor, such as Social Security) about how to sign up
  • Companies typically provide their own direct deposit form, but if your company doesn't provide one you can download SNB's form by clicking here.
  • To enroll in direct deposit for Social Security checks or other federal benefits, please visit www.godirect.gov or call 1.800.333.1795.

Automated Clearing House (ACH) Funds Transfers:

ACH funds transfers are an efficient, fast, and cost-effective way for companies to collect or disburse funds electronically and replace costly paper collections and disbursements.

Features:

  • Quick and accurate processing of recurring payments and collections
  • Timely payments directly into payees' bank accounts
  • Customers can authorize direct withdrawal of funds from their checking accounts
  • Greater funds availability

Notary Public:

Notarization is the assurance by a duly appointed and impartial Notary Public that a document is authentic, its signature is genuine, and its signer acted without duress or intimidation and intended the terms of the document to be in full force and effect.

Features:

  • Renders important documents trustworthy
  • Available to the general public
  • Helps prevent forged, coerced, and incompetent signings

Fees:

  • Customer: FREE
  • Non-customer: $10

Signature Guarantees:

For those times when it is necessary to authenticate a signature by way of a bank official, Superior National Bank offers signature guarantee services.

Fees:

  • Customer: FREE
  • Non-customer: $10

Cashier's Checks and Money Orders:

Cashier's checks and money orders are more readily accepted than personal checks and are a convenient means of transmitting funds, especially for a person without a checking account.

Cashier's Checks:

  • Issued for amounts $1,000 and over
  • Prepared and authorized by an SNB representative
  • Guaranteed funds
  • Customer fee: $1
  • Non-customer fee: $6

Money Orders:

  • Not valid over $1,000
  • Customer fee: $1
  • Non-customer fee: $6

Certified Checks:

Features:

  • Guaranteed payment of funds
  • Prepared and authorized by an SNB official
  • Safer to mail or carry around

Fee:

  • Customer: $10
  • Non-customer: N/A

Night Depository:

Features:

  • Make deposits to a fire resistant safe
  • Convenient for individuals and merchants for after-hour and weekend deposits
  • Deposits are collected and processed each business day
  • Night deposit bags can be picked up at the convenience of pre-specified, authorized persons

Fees:

  • Night deposit bag: $30
  • Key: $10
  • No annual fees

24-Hour Phone Teller:

Features:

  • Fast and convenient banking services available by phone 24 hours, 7 days a week
  • Access from a touch-tone phone at 906.482.7234 or toll-free at 1.800.342.2910

Foreign Currency Exchanges:

Do you need to exchange foreign currency in preparation of or after returning from a vacation?  Let Superior National Bank assist you with all of your foreign currency needs. Ordering and selling of foreign currency is accomplished at current exchange rates.

Purchasing foreign currency:

  • Amount of currency at current exchange rate, plus
  • Customer: $30; non-customer: $50, plus
  • $8 delivery fee (delivered to an SNB bank location)

Selling foreign currency:

  • Available for transactions $5 and over
  • Available only to SNB deposit customers
  • $30 transaction fee, plus 
  • $8 delivery fee
  • Account credit processed in approximately 3 – 4 business days

 

For more information on any of our banking products, please contact a customer service representative at 906.482.0404 or toll-free at 1.866.482.0404.

Thank you for choosing Superior National Bank.

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