State Bank of Toledo

Hometown Green

Traffic light ad with 'Red light, yellow light, green light, grow!' promoting a 2.38% APY Hometown Green checking account rate.

Hometown Green Checking Account Advantages:

  • Refund of non-State Bank of Toledo ATM charges, up to $25 per month3
  • No surcharge fee at Privileged StatusTM ATMs
  • Free online and mobile banking
  • Free debit card
  • Free eStatements with check images
  • Interest rate bonus on new CD’s opened

Earning Higher Dividends is Easy

Qualifying for the high dividend is easy! To earn the Bonus Rate, enrollments must be in place and all of the following transactions and activities must post and settle to your Hometown Green account prior to the close of business on the last business day of the month:

  • Have 10 or more debit card purchases post and clear per monthly qualification cycle
  • Have one or more Direct Deposit or ACH Auto Debit post and clear per qualification cycle

And it's that easy! If you don't meet your qualifications during the month, your Hometown Green account is still free, but you will simply earn our base interest rate.


1 APY = Annual Percentage Yield and is accurate as of March 1, 2025. Limit one account per tax ID number. Account holder or joint must be at least 18 years of age. No minimum Balance Required. Initial deposit of $100.00 required and must have ability to access your account electronically to open account. Available to Personal Accounts only. No monthly service charge. APY is subject to change. Higher Annual Percentage Yield (APY) will be earned on balances up to $25,000. To receive interest rate, the following qualification criteria must be met: (1) Have at least ten (10) debit card purchases from their State Bank of Toledo debit card, and the purchases must post and settle prior to close of business on the last business day of the qualifying cycle. (2) Have a direct deposit or ACH Debit in the Hometown Green account prior to close of business on the last business day of the qualifying cycle. 

2 Annual Percentage Yield (APY) paid on balances up to $25,000 with 1.00% APY paid on all amounts above $25,000 each cycle requirements are met. If requirements not met, 0.05% APY earned on total balance.

3 Refund usage fees up to $25/month for using out-of-network or non-Privileged Status™ ATMs. ATM fee refunds are automatic and receipts are not required to receive refunds. Refunds are only paid if account holder qualifies that cycle.

4 Up to 34x the national average of 0.07% APY is based on the national average of checking account rates published in FDIC Weekly National Rates and Rate Caps accurate as of February 18, 2025.

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