As the only locally owned and headquartered bank in the region, State Bank of Southern Utah has built its reputation on keeping money local, supporting area businesses and offering financial solutions designed to meet the needs of the communities it serves.

This commitment is reflected in the bank’s brand-new lineup of free checking accounts that reward customers for everyday spending habits. Offering monthly benefits tied to common activities such as debit card use, grocery purchases and digital subscriptions, these services are now available to both new and existing customers.

“For those customers that are regularly depositing money but also using their debit card, we want to reward them for banking with State Bank,” chief marketing officer Cordelle Morris said. “There’s something that anybody, based on their buying behaviors, would be able to benefit from.”

The bank’s leadership team began exploring additional checking account options after observing a growing trend among financial institutions offering cash incentives to attract new business. With many of these bonus offers, customers must meet a series of short-term requirements to receive a one-time payout. State Bank of Southern Utah aims to shift local customers’ focus toward ongoing, usage-based rewards rather than introductory promotions.

The bank also examined how customers commonly use their debit cards and built products to fit those patterns. The result is a lineup of four free checking accounts, each structured around a specific type of reward, allowing customers to select the option that best aligns with their spending habits and priorities.