Personal Banking

Regular Checking

The Regular Checking gives you the transaction ease and flexibility to compliment your personal lifestyle. The Regular Checking account includes checks, debit card, online banking, bill pay, and mailed statements. Virtually everything you need is provided at little cost.

Please click here to see additional terms

Minimum balance to avoid Service Charge - Base service charge per statement period based on the low balance.

» $500.00 and above — No Charge
» $300.00-$499.99 — $2.00
» $100.00-$299.99 — $4.00
» Below $100.00 — $6.00

Also, a service charge of $0.15 per item after 30 items if the low balance during statement period drops below $500.00. This does not include ACH, Debit Card or Bill Pay transactions.

Deposit Limitations-You may make an unlimited number of deposits into your account.

Additional Terms- There is no base service charge per statement for full time students and people over the age of 65.

Resources

Community links, banking news and charity information.

Calculations

Calculate your savings and loan payments.

Documents

Personal financial statements and application to get started.

State Bank of Downs founded in Downs, KS on March 4, 1892 is doing business as Berkley Bank in the Colorado market.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. MEMBER FDIC.

Berkley Bank updates information on the website as timely as possible, however the Bank does not guarantee information found on the website to be accurate and up to date. Please contact the bank directly for the most current information.