Checking Account

No monthly fees. No minimum balance requirements.

This checking account gives you excellent features and benefits without the monthly fees.

State Farm Bank® deposit accounts are FDIC insured.

Open an Account


  • Open your online checking account with $25 or more.
  • No monthly fees or minimum balance requirements.1
  • ATM fee rebates — $10 per statement cycle or unlimited with direct deposit.1 Limitations Apply
  • Online and mobile banking and bill payment available.

Get Rates

Bonus Rate Benefits

Get an interest rate bonus with a qualifying2 Money Market Savings combined with other selected State Farm Bank products.

Learn more

This checking account gives you excellent features and benefits. Open an account today with just $25 or more, and if you make a direct deposit (ACH credit) each statement cycle, you receive unlimited ATM surcharge rebates.1 If you're looking for online functionality, the option to make mobile deposits using your smartphone3, and convenient 24-hour access; we have the account for you!

Features and Benefits

  • No monthly fees. No minimum balance requirements.
  • No fee for using ATMs that are owned by State Farm Bank. Account will be rebated up to $10 per statement cycle when a foreign (non-State Farm Bank owned) ATM is used and the account does not have direct deposit.1 Limitations Apply Unlimited ATM surcharge rebates for foreign ATMs with direct deposit.1 Limitations Apply
  • Complimentary Visa® CheckCard or ATM card available.1
  • Convenient online banking and bill payment.
  • Overdraft protection is available with a State Farm Bank deposit account or State Farm ® Visa credit card.
  • Open your account with $25 or more.
  • 24-hour account access to your account by phone or Internet.
  • Add your State Farm Bank® Visa® Debit Card* to your mobile Apple Wallet app. Then make purchases and payments where Apple Pay is accepted. 
  • First check order complimentary.
  • Monthly statements available in English or Spanish.
  • Statements available online or by mail.
  • This account is FDIC insured up to applicable limits.

Complimentary State Farm® Visa® CheckCard1

Accepted anywhere Visa® is accepted. The State Farm® Visa® CheckCard provides the benefits of paying with a card without the worries of paying interest.

  • No monthly fees associated with this card.
  • All purchases and cash withdrawals made with the State Farm® Visa® CheckCard are deducted directly from your bank account.
  • Protection against unauthorized use, even if the card is lost or stolen.4
  • Enhanced Security with Chip Card Technology.
    • For current customers: if you recently received a new debit card please activate it and begin using immediately. To properly dispose of you old card, shred or cut it up as soon as the new card is activated.

ATM Card

Day or night, our ATM card makes it easy for you to get cash or complete other financial transactions almost anywhere.

  • Point-of-sale Personal Identification Number (PIN) purchases (debit purchases) can be made from merchant terminals that display the NYCE, Visa or PLUS network logos. To find an ATM or learn more about ATM deposits and rebates, visit our ATM Banking page.
  • Protection against unauthorized use, even if the card is lost or stolen.4
  • Withdrawals, transfers, and balance inquiries can be made at ATMs that display NYCE, Visa or PLUS network logos.

Comparison Chart

Compare Our Checking Accounts with Our Money Market Savings Account

Checking Interest Checking Money Market Savings
Minimum Balance Fee1 No fee No fee with direct deposit No fee with direct deposit
Interest Eligible Checked Checked
ATM Fee Rebate Eligible1
Limitations Apply
Checked Checked Checked
Minimum Opening Deposit $25 $100 $1,000
Overdraft Protection Checked Checked Checked
Online Banking Checked Checked Checked
Mobile Banking Checked Checked Checked

Account Eligibility

  • The individual(s) on the account must have a Social Security Number (SSN), Tax Identification Number (TIN), or Individual Taxpayer Identification Number (ITIN).
  • At least one account holder must be age 18 or older.
  • Minors may be listed as the primary or secondary account holder. However, these accounts must be opened on the phone or through a State Farm agent.

1 Refer to the Pricing Schedule for Consumer & Business Deposit Accounts and the Truth in Savings Disclosures for more details.

2 Consumer Checking, Interest Checking or Money Market Savings accounts where the ownership of the accounts are exactly the same are eligible; Trust, Estate, Uniform Transfer to Minors, IRA or Business accounts are not.

3 Compatible mobile phone required; enrollment and terms and conditions apply.

4 Refer to the Electronic Funds Transfer (EFT) Customer Agreement for more details.

Apply for a Rewards Visa credit card.

*Not all debit cards are available for Apple Pay. State Farm Bank® Visa® Health Savings Account Debit Card cannot be used with Apple Pay.

Visa is a registered trademark of Visa International Service Association.

State Farm Bank, F.S.B., Bloomington, Illinois ("Bank"), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-VISA (877-734-8472). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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