TELEPHONE BANKING
With Touch-Tone Banking you can bank with us 24 hours a day, giving you immediate access to the information you need most often. With Touch-Tone Banking, you can quickly and easily:

  • Make Account balance inquiries.
  • Determine the last six transactions on your account.
  • Verify interest paid and earned information during tax time.
  • Make transfers and loan payments.

HOW TO USE TOUCH-TONE BANKING
Before using State Bank of Aurora’s Touch-Tone Banking, make sure you have your account number(s) handy. Also have your Personal Identification Number (PIN) available.

1. Call 229-3993 from any touch-tone phone (877-268-5477) if calling from outside the area.

2. Wait for the greeting, then follow the simple instructions given to you over the phone. You will be offered a series of menu selections from which to choose. To access these selections from the opening menu given, simply press the corresponding number(s) on your telephone.

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DIRECT DEPOSITS
Arrangements can be made for certain direct deposits to be accepted into your checking or savings account(s). There is no charge for direct deposits to any type of account. Contact our customer service department to take advantage of this service.

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SAFE DEPOSIT BOXES
A safe deposit box is a secure location for important legal documents such as wills, mortgages, certificates, titles, etc. It can also be used for other personal items such as jewelry, keepsakes, rare coins, or any items you wish to safeguard. State Bank of Aurora offers a variety of sizes to fit your personal needs. Boxes are rented for a one year duration and the cost is based on the size of the box you choose. Banclub and Prestige checking account holders receive a discount on their safe deposit box rentals. Please contact our customer service representatives to learn more about renting a safe deposit box.

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OVERDRAFT PROTECTION
Our overdraft protection is termed Ready Reserve Account. Ready Reserve means that we’ve approved, in advance, a personal, unsecured loan to balance your account if you should overdraw. It’s designed to end checking account overdraft complications, charges, and embarrassing delays.
Use your good credit to qualify for our plan, and your checking account will become a personal loan account. You may write your own loan any time you need extra money for pleasure or an emergency. It’s the freedom of having a reserve fund at your command. To apply, complete the application and talk with one of our Loan Officers.

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ACCOUNT RESEARCH
In the event you have inquiries regarding your account (s), our staff is readily available to assist you. A few examples are checking balances, ACH deposits, ATM transactions, if a specific check has cleared your account, etc. For a fee we will assist you in balancing your account statement. Snap statements are available if you would like a printed copy of the activity on an account.

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BANK BY MAIL
Customers may send their deposits or payments to the State Bank of Aurora if desired. We recommend that you never send cash through the mail. We have pre-printed envelopes available upon request, or simply address your own envelope to: State Bank of Aurora, P.O. Box 258, Aurora, MN 55705-0258.

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CASHIERS CHECKS
A Cashiers Check is a guaranteed bank draft. The fee for issuing a Cashiers Check is $5.00. Members of Banclub Checking are not charged any issuing fee when purchasing a Cashiers Check.

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AUTOMATIC FUNDS TRANSFER
 You may make arrangements to pay certain recurring bills from your checking or savings account(s). We do not charge for preauthorized payments from any type of account. Contact our customer service department to take advantage of this service.

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FAX SERVICE
This is a service we provide to any business or individual in the community. For outgoing faxes, there is a charge of $5.00 for the first page, and a $1.00 charge for each additional page. For incoming faxes, there is a charge of $.25 per page.

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NOTARY SERVICE
This is a service we perform for our customers at no charge or for non-customers for a $5.00 fee.

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STOP PAYMENTS
To be effective, a Stop Payment request must be lodged in the bank before the check is presented for payment or credit. The signature of the depositor must be obtained within 14 days of requesting a Stop Payment or the request will be canceled. To be effective, your Stop Payment order must precisely identify the number, date and amount of the item, and the payee. A $20.00 fee is charged for this service.

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TRAVELERS CHECKS
We offer Visa Travelers checks. Visa Travelers checks are available in 20, 50, 100, 500, and 1,000.00 denominations. They are issued at no cost to Banclub customers and at a fee of $1.00 for each hundred dollars purchased in all other instances.

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WIRE TRANSFER SERVICE
We are available to receive or originate wire transfers for our customers that have either a deposit or loan account with our bank. Non-customers are eligible to use this service with proper identification and approval. We would request that non-customers use cashiers checks or cash when originating a wire transfer.

THE FEES ARE AS FOLLOWS:
Outgoing
$15.00
Incoming
$10.00
Foreign
$40.00

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NIGHT DEPOSITORY
Our 24-hour depository is located at the front of the building. Envelopes are provided for your convenience and security. Simply put your transaction into an envelope, fill in the information, and place in the letter drop. Individuals or businesses with deposits that physically will not fit into the letter drop slot may obtain a key to use the larger night depository chute. Transactions placed in the night depository are processed at the beginning of the next business day.

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MONEY ORDERS
A Personal Money Order is a bank draft that may be purchased in any amount up to $500.00. The customer fills in the document except for the date and the amount. The issuing fee for a Personal Money Order is $2.00. Banclub Checking Account members are not charged an issuing fee for Money Orders.

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