State Farm Bank® deposit accounts are FDIC insured.


Interest Checking account

We're here for those who want it all — a great Interest Checking account without the high fees. Open your Interest Checking account today with just $100 or more.

Apply for an Account

Get started in under 10 minutes.

Interest Checking account Highlights

  • Open your Interest Checking account today with just $100 or more.
  • No minimum balance fee with direct deposit and $500 minimum average daily balance.footnote[1]
  • ATM fee rebates — $10 per statement cycle or unlimited with direct deposit.footnote[4] Limitations Apply
  • Online bill payment features.
  • Mobile check deposits using the camera on your smartphone.footnote[2]
  • Mobile banking with our State Farm®app.

Get Rates

Interest Checking account Features and Benefits

  • Your entire balance earns interest each day your balance is a minimum of $2,500.footnote[5]
  • Conveniently make a deposit.
  • Variable, tiered interest rate applies.
  • Interest is compounded daily and credited to your account monthly.
  • 24-hour account access by phone or Internet.
  • First check order complimentary.
  • Overdraft protection for Interest Checking is available with transfer from another State Farm Bank deposit account or State Farm® Visa® credit card.
  • Monthly statements online or by mail.
  • Account alerts by text or email.

More Banking Benefits

More accounts mean more benefits for you.

Learn more about Banking Benefits

  • Accepted anywhere Visa is accepted. The State Farm Visa Debit Card 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 Debit Card are deducted directly from your bank account.
  • Protection against unauthorized use, even if the card is lost or stolen.footnote[3]
  • Enhanced Security with Chip Card Technology.

State Farm Bank® ATM Card

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

  • Get cash or complete other financial transactions almost anywhere, day or night.
  • 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.
  • Withdrawals, transfers, and balance inquiries can be made at ATMs that display NYCE®, Visa or PLUS® network logos.
  • To find an ATM or learn more about ATM deposits, visit our ATM Banking page.
  • Protection against unauthorized use, even if the card is lost or stolen.footnote[8]

Access your Account anytime. Anywhere.

Check your balance. Pay bills. Deposit checks. And more.

Download the State Farm® Mobile app

Like to Shop Online?

Visa Checkout is fast, simple, and secure. Skip entering credit and debit card numbers and shipping information when you use Visa Checkout.

Learn more about Visa Checkout


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-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm Agent.

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