Sound Advantage Checking

Sound Advantage Checking offers competitive interest rates, tiered to pay you more as you save more. There is no monthly fee as long as you keep a $1,000 balance in your account or have a $25,000 CD or a $15,000 credit line with Dogwood State Bank. Balance tiers are: Less than $1,000, $1,000 - $9,999, $10,000 - $49,999, $50,000 - $99,999, and $100,000 and over.

Monthly Service Charge

$0 (as long as one of the balance relationships is maintained - if not, there is a $15 monthly fee)

Min. Balance to Avoid Service Charge

$1,000 in your Sound Advantage Account or $25,000 in a Dogwood State Bank CD or a $15,000 Dogwood State Bank Line of Credit

Per Check Charge


Amount Required to Open Account


Number of Checks Allowed Per Month


Custom Checks


Credit Card (You must Apply and Qualify)

No Annual Fee

American Express Traveler's Checks

No Fee

Small Safe Deposit Box (Subject to Availability)