Concierge Banking Solutions

In order to provide an experience that's above and beyond your expectations of banking, we make sure to carry equally distinguished products and services. Take your banking to the next level of convenience and results by taking advantage of our Concierge Banking. From exceptional checking accounts, to savings options, and everything in between, we're here to offer you more.

Concierge Checking

Platinum 100

Indulge in the luxury of an uncommonly attractive interest rate and treat yourself to all the amenities of an outstanding checking account. Designed exclusively for the unique needs of our Concierge Banking customers, our Platinum 100 account gives you the best of both worlds.

By maintaining a minimum $100,000 balance, you enjoy unlimited access to your funds, while earning an interest rate that rivals most money markets.

  • Uncommonly attractive interest rate on balances of $100,000 or more
  • A rate that rivals many money markets
  • Unlimited check writing
  • Free personalized checks
  • Free notary services
  • Free traveler's checks, cashier's checks, and money orders
  • Free safe deposit box rental for one year
  • Concierge Line of Credit available - subject to credit approval
  • Free online banking & bill pay
  • Free mobile banking with mobile alerts
  • Free eStatements with check images
  • Free ATM access at bank-owned and other ATM locations*
  • Free Visa® debit card with Rewards
  • $100,000 minimum deposit to open

*A usage fee may be charged by ATM owner.

Concierge Club Checking

Make the most of your larger balance with an account that works incredibly hard and smart for you. Concierge Club Checking features tiered interest rates, granting higher rates for higher balance tiers — thus maximizing your earning potential.

On top of exceptional rates, take advantage of several time-saving checking conveniences to take your ease of banking to the next level. Exceptional benefits combined with smart, money-saving perks make Concierge Club Checking a premium option.

  • Make the most of larger balances
  • Tiered interest rates; receive a higher rate by reaching higher balance tiers
  • No minimum balance requirements
  • Free personalized checks
  • Unlimited check writing
  • Check images available upon request
  • Free notary services
  • Free traveler's checks, cashier's checks, and money orders
  • Free safe deposit box rental for one year
  • Concierge Line of Credit available
  • Free online banking & bill pay
  • Free mobile banking with mobile alerts
  • Free eStatements with check images
  • Free ATM access at bank-owned and other ATM locations*
  • Free Visa® debit card with Rewards
  • $100 minimum deposit to open

*A usage fee may be charged by ATM owner.

Concierge Savings

Preferred Money Market

Earn the premium interest rate of an investment account with the security of FDIC insurance. With a Preferred Money Market account, you are rewarded for higher balances.

On top of high earning potential, our Preferred Money Market provides better liquidity than other locked-away savings options. Have the best of both worlds with this dynamic savings solution.

  • Tiered-rate account that pays premium interest
  • Make the most of larger balances; higher balances awarded higher rates
  • Interest is compounded and credited monthly
  • Avoid the $5 monthly maintenance charge by simply maintaining a $1,000 daily balance
  • Maintain access to funds:
  • 6 free transactions per month*
  • Free online banking
  • Free eStatements
  • ATM cards available
  • FDIC insured up to $250,000
  • $100 minimum deposit to open

*Federal regulation limits the number of certain types of transactions on this account to 6. there is a small fee for exceeding this limit. See us for details.

Certificates of Deposit

With flexible terms and interest payment options, we can tailor our certificates of deposit to fit your individual needs — however long- or short-term.

Take advantage of the fixed interest rates for additional guarantee compared to other risky investments. Contact your Concierge Banker today for current rates and terms.

  • Guaranteed source of savings; fixed interest rates for specific lengths of time
  • Fixed, premium interest rates
  • Rates increase with the length of the term
  • A wide range of terms available to accommodate specific saving needs
  • Early withdrawal subject to penalty
  • FDIC insured up to $250,000
  • $2,500 minimum deposit to open most terms

CDARS

Enjoy full FDIC insurance on deposits over $250,000 with the convenience of CDARS, a great solution for our customers with large amounts in savings. At State Bank Financial, we belong to a special network of banks, allowing you to diversity your funds. We handle the management of your CDs on our end. So you can gain better rates and peace of mind without a lot of work on your part.

  • Earn premium rates, which may compare favorably with other investment alternatives
  • Greater security; multi-million dollar FDIC insurance coverage
  • Convenience; everything is managed internally by State Bank Financial:
  • One interest rate
  • One regular statement
  • One year-end tax form
  • Flexible maturity periods available
  • Helps support lending opportunities within your local community

Personalized Lending Solutions

As a Concierge Banking client, you are entitled to customized lending solutions. From a Concierge Line of Credit to a home equity loan, we will analyze your needs and provide you with rates and terms best suited to your individual situation. Receive personalized lending for a wide range of financing, including:

  • Home Mortgage Loans
  • Home Equity Loan
  • Home Equity Line of Credit
  • Auto Loans
  • Recreational Loans
  • Personal Loans
  • Concierge Line of Credit
  • Visa Credit Card
  • And more

Mortgages

Whether you are buying, building, or refinancing, State Bank Financial has a mortgage that can be customized to meet your unique financing needs. From the traditional to the non-traditional home loan, you will receive priority service, local loan servicing, and convenient payment options.

  • Competitively low rates for purchase, construction, or refinancing
  • Flexible terms, customized to your needs
  • Residential Lot loans available for customers purchasing land
  • Construction Loans available for home building
  • Refinance to lower your interest rate and monthly payments
  • Free pre-approval available
  • Apply online 24/7 through a quick and easy process
  • No prepayment penalties
  • Helpful service from a staff that's knowledgeable in the local real estate market
  • Local decision-making and processing for a streamlined process

24-Hour Convenience Services

Bank at your leisure. Whether you are at home, at work or on the road, you have 24-hour access to your money with the help of our convenient banking services.

  • Online Banking & Bill Pay
  • Mobile Banking
  • Finance Trax Personal Financial Management
  • eStatements
  • Visa Debit Card with Visa Rewards
  • And more