SunMark Bank offers a wide variety of personal checking accounts. To learn more about any of the following services, simply click on any one of them below. If you have any questions please feel free to contact us.

No Kidding Free Checking

At SunMark you can enjoy totally free - no kidding - free checking.  No minimum balance and no per check charges to worry about.  And, direct deposit is not required.  That's real free checking for people who want fewer rules in their lives, not more.  Why pay bank checking fees when you don't have to?   No minimum balance No per check charges No direct deposit required Check safekeeping - check number, amount and date cleared shown on monthly statement Duplicate check orders available for check copies Free ATM / Debit card Free Internet Banking Free Bill Pay top

SUN Checking

Minimum opening deposit:  $100.00 Balance required to avoid service charge:  $500.00 Service Charges: $0.00 to 299.99 - $8.00 per month* $300.00 to 399.99 - $7.00 per month* $400.00 to 499.99 - $5.50 per month* *Plus a $.10 charge per withdrawal over 15 per month Statement Period: Monthly Balancing of Statement: $15.00 per hour Cost for check printing varies depending on the style of checks ordered: Per Check Charge - $.10 per withdrawal after - 15 withdrawals per month Insufficient Funds Charge - $28.00 per item Overdraft Charge - $28.00 per item Stop Payment Charge - $20.00 per item Dormant Account Fee - $5.00 per month for the first 12 months, not to exceed $60.00 (Georgia state law maximum). No monthly maintenance fee for full time students (24 or under), parents must maintain an account.  Senior Citizens no maintenance fee (over 62). Auto Transfer - $5.00 per transfer Free Bill Pay top

Senior Checking

If you are 55 or older, you can enjoy all of the outstanding benefits this account has to offer.  Don't worry about maintaining a minimum balance, per check charges or maintenance fees because it's TOTALLY free to you!  A great deal for a very young age requirement.   Free Checking No balance requirement Free ATM / Debit card Monthly statement with check images for easy balancing Free Internet Banking Free Bill Pay top

Interest Checking Account

Minimum opening deposit $1,500.00 Interest Rate: See Rates Page Annual Percentage Yield (APY): See Rates Page Minimum balance required to obtain APY as listed:  $1,500.00 Interest Computation Method Daily Balance Daily Balance (The application of a daily periodic rate to the full amount of principal in the account each day.) Interest will be compounded:  Monthly Interest credited:  Monthly Interest will not be paid if balance falls below:  $1,500.00 On non-cash items interest will begin to accrue on the next business day. If you close your account before interest is credited, you will not receive the accrued interest. Your interest rate and Annual Percentage Yield may change.  At our discretion, we may change the interest rate on your account at any time. Statement Period:  Monthly Cost for check printing varies depending on the style of checks ordered. Monthly Maintenance fees:  $6.00 + $.25 per check over 15 withdrawals if at any time during the statement period the balance falls below $1500.00. Insufficient Funds Charge:  $28.00 per item Overdraft Charge:  $28.00 per item Stop Payment Charge:  $20.00 per item Dormant Account Fee:  $5.00 per month for the first 12 months, not to exceed $60.00 (Georgia state law maximum) Free Bill Pay top

Free Interest Checking

Don't bother depositing your paycheck, because at SunMark Community Bank convenience pays off.  When you have your regular payroll check electronically deposited into a SunMark Direct Checking account you'll never pay checking service fees or per check charges again.  And, you'll earn interest on any balance.  It's the easy way to get Free Checking.  With Direct Checking, there's no minimum balance and you can write as many checks as you want.  Plus, it will save you time and hassle month after month and your money will be available right away.  It will give you one less chore - and one less expense - to worry about.    Free Checking with direct deposit No minimum balance No per check charges Interest earned on any balance Monthly statement with check images for easy balancing Free ATM / Debit Card Free Internet Banking Free Bill Pay top

Flat Fee Checking

Can't direct deposit your payroll check?  If you want to know exactly what your monthly service fee will be and want to write as many checks as you want, then Flat Fee Checking is for you.  For $7.75 per month you don't need to worry about maintaining a monthly balance.  And, you'll have no surprises when you get your monthly statement.  It's a simple choice.   $7.75 per month No balance requirement Unlimited checks, no per check charges Monthly statement with check images for easy balancing Free ATM or Debit Card Free Internet Banking Free Bill Pay top

Advantage Money Market Account

Minimum opening deposit:  $2,500.00 Interest Rate: See Rates Page Annual Percentage Yield (APY): See Rates Page Minimum balance required to obtain APY as listed:  $2,500.00 Interest Computation Method:  Daily Balance Daily Balance (The application of a daily periodic rate to the full amount of principal in the account each day.) Interest will be compounded:  Monthly Interest credited:  Monthly Interest will not be paid if balance falls below:  $2,500.00 On non-cash items interest will begin to accrue on the next business day. If you close your account before interest is credited, you will receive the accrued interest. Your interest rate and Annual Percentage Yield may change.  At our discretion, we may change the interest rate on your account at any time. Statement Period:  Monthly Cost for check printing varies depending on the style of checks ordered. Withdrawal/transfer charge of $2.00 for each withdrawal/transfer if over 6. Monthly Maintenance fees:  $10.00 + loss of interest if balance falls below $2,500.00 Insufficient Funds Charge:  $28.00 per item Overdraft Charge: $28.00 per item Stop Payment Charge:  $20.00 per item Dormant Account Fee:  $5.00 per month for the first 12 months, not to exceed $60.00 (Georgia state law maximum) Free Bill Pay top

Bonus Investment Account

A high-end money market account that will pay a high interest rate for those balances over $50,000 and a higher rate for balances over $100,000. Interest Rate: See Rates Page Annual Percentage Yield (APY): See Rates Page Minimum opening deposit:  $10,000 No interest earned below:  $10,000 Balances falling below $10,000 will be charges $15 ATM/Debit card available (limited activity as with other MMA's) Free Standard Checks Withdrawal/transfer charge of $2.00 for each withdrawal/transfer if over 6 per month. Only 3 of the withdrawals/transfers may be made with 3 parties. Account yields will be subject to change at anytime. Free Bill Pay top