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Standard Bank and Trust Co.

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.50%Reward CheckingMy Green Checking
1.01%5-year CD60 Month CD
0.20%1-year CD12 - 17 Month CD

Overview / Commentary
866-499-2265
7800 West 95th Street
Hickory Hills, IL 60457

Standard Bank and Trust Co. is headquartered in Hickory Hills and is the 17th largest bank in the state of Illinois. It is also the 343rd largest bank in the nation. It was established in 1947 and as of June of 2016, it had grown to 473 employees at 35 locations. Standard Bank and Trust Co. has a B+ health rating.

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Reviews (2)

Standard Bank& Trust

this bank will charge you so many fees you will have no money left in the bank then they will charge you a service fee just for that! stay away from standard bank and trust

Best To Avoid The Hassle

Posted by: ctgottapee | Aug 6, 2010

overall this bank has provided probably one of the worst experiences all around as far as starting an account

 

the online application is not really much of one. it just prods you for the fields on their standard paper applicatoin, prefills them, and then you have to mail it in. you have no account until it is received and acted upon...

that is a further problem as the bank didn't seem to bother with my application, no phone call, no email, nothing

so i call the 800 number and nobody seems to have any clue; i wait on hold for 20 minutes as i bounce around operators. i provide a confirmation code i received from the online application process and nobody seems to know what that code means or does. one rep says my information is not in their system, another easily finds me and provides details of my app. i finally get referred to a specific person, but of course that person never answers the phone in several days of calls. after finally reaching them, i get told to reapply, even though they have my information. the two customer service reps i speak to are actually quite rude, one i can hear flipping through a binder to find some excuse for all the mistakes and inactions on their end.

i finally ask to just have my information removed form their system and i'm denied, so now i'll get spammed with eventual cold calls. i sorta have an account with no accounts  ;(

the web site is mediocre, late to the game and mostly a bundle of third party apps; other small banks are like that too though.

there is probably something to say about their Local rules; while i did qualify for, but i don't live close to a branch and being a small bank not concerned with customer service, they'll let rate chasers and small fish flounder to go after the big fee generators. they won't open an account without a return phone call to hard sell you on other products or a branch visit.

bankrate is not very bullish on them, so maybe it is better than not; would like to have my wasted time back.

 

the fine print has an early termination fee for account closings, and the phone reps mention more restrictions not mentioned in the fine print. i asked for a physical reference to their claims but none is provided.



Health
B+

Health Grade Components

Overall
FDIC Certificate #16606
Year Established1947
Employees473
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD7.4%
Annual Interest Income$42.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.45B$2.44B
LoansQ2 2016vs Q2 2015$1.80B$1.79B
DepositsQ2 2016vs Q2 2015$2.17B$2.13B
Equity CapitalQ2 2016vs Q2 2015$254.4MM$274.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$18.7MM$25.2MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$25.2MM$30.0MM
Real Estate OwnedQ2 2016vs Q2 2015$15.7MM$18.9MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Standard Bank and Trust Co. Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$100-Health Savings Account
0.20%*$100k*-Premium Savings
OTHER TIERS: 0.05% Up to $50k | 0.11% $50k - $100k
0.20%*$100k*-Business Premium Savings
OTHER TIERS: 0.05% Up to $50k | 0.11% $50k - $100k
0.05%--Passbook Savings
0.05%--Standard Savings
0.05%--Business Savings

Standard Bank and Trust Co. Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Business Money Market
OTHER TIERS: 0.04% Up to $50k | 0.10% $50k - $100k
0.15%*$100k*-Simply Money Market
OTHER TIERS: 0.04% Up to $50k | 0.10% $50k - $100k

Standard Bank and Trust Co. Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%*-$10kMaximun Rewards Checking
OTHER TIERS: 0.21% $10k+
1.50%*-$15kMy Green Checking
OTHER TIERS: 0.21% $15k+
0.04%--Simply Checking
0.04%--Business NOW

Standard Bank and Trust Co. CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$1k$100k60 Month CD
0.61%$1k$100k48 - 59 Month CD
0.51%$1k$100k36 - 47 Month CD
0.36%$1k$100k24 - 35 Month CD
0.26%$1k$100k18 - 23 Month CD
0.20%$1k$100k12 - 17 Month CD
0.10%$1k$100k6 - 11 Month CD
0.07%$1k$100k3 - 5 Month CD

Standard Bank and Trust Co. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$1k$100k60 Month IRA
0.61%$1k$100k48 - 59 Month IRA
0.51%$1k$100k36 - 47 Month IRA
0.36%$1k$100k24 - 35 Month IRA
0.31%$1k-18 Month Variable IRA
0.26%$1k$100k18 - 23 Month IRA
0.20%$1k$100k12 - 17 Month IRA
0.10%$1k$100k6 - 11 Month IRA
0.07%$1k$100k3 - 5 Month IRA
Locations

Standard Bank and Trust Co. has 34 locations. Click to view all Standard Bank and Trust Co. locations.