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Personal Checking Accounts

Free Regular Checking Account
Free Interest Checking Account
Regular Checking Account
N.O.W. Account
Health Savings Account (HSA)
Senior N.O.W. Account
Money Market Account


Business Checking Accounts

Commercial Checking
Free Commercial Checking
Money Market


Savings


Certificates of Deposit

3 Month
6 Month
12 Month
24 Month
36 Month
48 Month
60 Month

IRA's

IRA's are offered under the same maturities and interest rates as Certificates of Deposit.


ATM's

Located at 123 N. Cedar, Stockton, KS

Miscellaneous Fees
Other Account Fees
Miscellaneous Services


Personal Checking Accounts

Free Regular Checking Account
This account is for individuals and will not have a service charge and in accordance with federal law does not pay interest.

Limitations: There is no minimum balance requirement to open or maintain the account.

Account Fees: There will be no service charges for this type of account. Overdraft fees: $25 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient check charge: $25 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund (NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends on the style of check ordered. Periodic Overdraft Charge $20 will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days there after until said account is current.

 


 

Free Interest Checking Account

This account is for individuals and will not have a service charge and pays interest.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. This account is a variable rate account: The annual percentage yield and simple interest rate may change at any time, the rates paid are at the Bank's discretion and not tied to any index, there are no limits to the amount the rates may change, the rates paid are subject to change at any time, interest begins to accrue on the business day you deposit noncash items (for example, checks), interest will be compounded monthly, interest will be credited monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. There is no minimum balance requirement to open or maintain the account, except that certain balances may initiate a service charge.

Account Fees: There will be no service charges for this type of account. Overdraft fees: $25 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient charge: $25 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by  electronic checks. Non-Sufficient Fund (NSF)charge to depositors for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends on the style of check ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 



Regular Checking Account

Federal law does not permit interest to be paid on Demand Deposit Accounts. Customer types allowed include Personal, Partnership, Unincorporated Assn, Estate Fiduciary, Sole Proprietorship, Trust, LLC & Corporations. A service charge will be levied each statement period. There is no minimum balance requirement to open or maintain the account, except that certain balances may initiate a service charge.

Account Fees: Base service charge per statement period based on the low balance: $0-$399 -- $6, $400-$599 -- $4, $600+ -- No Charge.  These base service charges are waived for youth under the age of 19.  Overdraft fees: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient check charge: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Return check charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends upon the style of checks ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 



N.O.W. Account

Negotiable Order of Withdrawl accounts (N.O.W. Accounts) pay interest and may include the following customer types: Personal, Unincorporated Assn, Estate, Fiduciary, Sole Proprietorship & Trust.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. This account is a variable rate account: The annual percentage yield and simple interest rate may change at any time, the rates paid are at the Bank's discretion and not tied to any index, there are no limits to the amount the rates may change, the rates paid are subject to change at any time, interest begins to accrue on the business day you deposit noncash items (for example, checks), interest will be compounded monthly, interest will be credited monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. A minimum balance of $400 is required to obtain an Annual Percentage Yield.

Account Fees: A base service charge will be levied each statement period based on the low balance during that period: $0-$499 -- $6, $500-$899 -- $4, $900+ -- No Charge. Overdraft fees: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient check charge: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund(NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends upon the style of checks ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 



Health Savings Account (HSA)

Health savings accounts are a new legal type of account that will have some of the rules and qualities of IRAs. These accounts will be opened as a type of N.O.W. account and thus be subject to N.O.W. account rules and regulations.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. This account is a variable rate account: The annual percentage yield and simple interest rate may change at any time, the rates paid are at the Bank's discretion and not tied to any index, there are no limits to the amount the rates may change, the rates paid are subject to change at any time, interest begins to accrue on the business day you deposit noncash items (for example, checks), interest will be compounded monthly, interest will be credited monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. A minimum balance of $500 is required to obtain an Annual Percentage Yield.

 Limitations: By law there can be no more than 6 checks, point of sale purchases, or preauthorized, automatic, or telephone transfers per month to a third person or to another account of the depositor. There are no limits to transactions made in person within the bank facilities. There are no limits on the number of deposits. By law the bank reserves the right to require 7 day's written notice prior to withdrawal.

Account Fees: There will be no service charges on this account. Insufficient/Uncollected fund (Overdraft)charge to maker: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-sufficient check charge: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund (NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends upon the style of check ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 



Senior N.O.W. Account

Senior Negotiable Order of Withdrawl accounts (Senior N.O.W. Accounts) pay interest and are designed for those 50 and over.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. This account is a variable rate account: The annual percentage yield and simple interest rate may change at any time, the rates paid are at the Bank's discretion and not tied to any index, there are no limits to the amount the rates may change, the rates paid are subject to change at any time, interest begins to accrue on the business day you deposit noncash items (for example, checks), interest will be compounded monthly, interest will be credited monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. A minimum balance of $400 is required to obtain an Annual Percentage Yield.

Account Fees: A base service charge will be levied each statement period based on the low balance during that period: $0-$199 -- $8, $200+ -- No Charge. Overdraft fees: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient check charge: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund (NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Standard checks free. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 



Money Market

This account earns interest, but is limited by law to the number of transactions per month.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. This account is a variable rate account: The annual percentage yield and simple interest rate may change at any time, the rates paid are at the Bank's discretion and not tied to any index, there are no limits to the amount the rates may change, the rates paid are subject to change at any time, interest begins to accrue on the business day you deposit noncash items (for example, checks), interest will be compounded monthly, interest will be credited monthly.

Balance Information: A minimum balance of $500 is required to obtain an Annual Percentage Yield. We use the daily balance method to calculate the interst on your account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: By law there can be no more than 6 checks, point of sale purchases, or preauthorized, automatic, or telephone transfers per month to a third person or to another account of the depositor. There are no limits to transactions made in person within the bank facilities. There are no limits on the number of deposits. By law the bank reserves the right to require 7 day's written notice prior to withdrawal.

Account Fees: A base service charge will be levied each statement period based on the low balance during that period: $0-$499 -- $6, $500-$899 -- $4, $900+ -- No Charge. Overdraft fees: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient check charge: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund (NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends upon the style of checks ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 


Business Checking Accounts


Commercial Checking

Commercial checking for corporations and businesses.

Account Fees: The base service charge of $5 per statement. Transaction charge of $0.25 per debit after 25 debits. Bonus credit on average daily balance used to offset service charge as posted on rate board. Overdraft fees: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Check Charge: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund (NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends upon the style of checks ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 



Free Commercial Checking Account

This account is for corporations and businesses and will not have a service charge and in accordance with federal law does not pay interest.

Limitations: There is no minimum balance requirement to open or maintain the account.

Account Fees: There will be no service charges for this type of account. Overdraft fees: $25 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient check charge: $25 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund (NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends upon the style of checks ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.

 



Money Market Business

Customer types allowed include Partnership, Unincorporated Assn, Sole Proprietorship, LLC & Corporation.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. This account is a variable rate account: The annual percentage yield and simple interest rate may change at any time, the rates paid are at the Bank's discretion and not tied to any index, there are no limits to the amount the rates may change, the rates paid are subject to change at any time, interest begins to accrue on the business day you deposit noncash items (for example, checks), interest will be compounded monthly, interest will be credited monthly.

Balance Information: A minimum balance of $500 is required to obtain an Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: By law there can be no more than 6 checks, point of sale purchases, or preauthorized, automatic, or telephone transfers per month to a third person or to another account of the depositor. There are no limits to transactions made in person within the bank facilities. There are no limits on the number of deposits. By law the bank reserves the right to require 7 day's written notice prior to withdrawal.

Account Fees: A base service charge will be levied each statement period based on the low balance during that period: $0-$499 -- $6, $500-$899 -- $4, $900+ -- No Charge. Overdraft fees: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient check charge: $15 per item, will be imposed for overdrafts created by checks, in-person withdrawals, ACH withdrawals, or by electronic checks. Non-Sufficient Fund (NSF) charge for checks deposited by account owner and returned to us unpaid, $4 per item if an on-us check; $6 per item if not an on-us check; will be imposed for checks or electronic deposits. Stop payment charge $15 per request. Check printing: Fee depends upon the style of checks ordered. Periodic Overdraft Charge $20, will be assessed after an account is overdrawn for a period of three weeks. This fee will be charged every 15 days thereafter untill said account is current.


Savings Account

Rate Information: This account is an interest bearing account for individuals or businesses. The interest rate and annual percentage yield are included in the Rate Chart. This is a variable rate account, the annual percentage yield and simple interest rate on your account may change, the rates are paid at the Bank's discretion and not tied to any index, there are no limits to the amount the rate may change, we may change the interest rate at any time. Interest begins to accrue on the business day you deposit noncash items for example, checks. Interest will be compounded monthly, and interest will be credited monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. There is no minimum balance requirement to open the account.

Limitations: There are no limits to the number of transactions made in person in the bank's facilities. By law there can be no more than 6 preauthorized, automatic or telephone transfers per statement cycle. This includes ATM / Debit card transactions or drafts. Withdrawls may not be by check. By law, the bank reserves the right to require 7 day's written notice prior to withdrawal.

Account Fees: Service charges are $2 per monthly statement period if the average balance falls below $200, The base service charge is waived for youth under the age of 19. $2 per debit after 10 debits each statement cycle. Non-Sufficient Fund (NSF) charge to depositor $4 for a check on this bank and $6 for a check on another bank.


Certificates of Deposit

3 Month Certificate Of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded every 3 months and will be credited every 3 months to the account, another account, or be paid by check.

Balance Information: We use the daily balance method to calculate the interest on your account. The method applies a periodic rate to the daily balance in the account for the period.

Limitations: You must deposit $1,000.00 to open this account. No transactions are allowed on certificates of deposit. At maturity funds may be added or withdrawn from the account without penalty.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your certificate of deposit will mature in 3 months. Early withdrawal penalties: Except in case of death, we will apply the following penalties on withdrawals prior to maturity: On certificates of 7 to 31 days we will impose a penalty of all interest earned from the date of deposit or most recent maturity date; On certificates of 32 day to and including one year we will impose a penalty of six months' interest; On certificates of more than one year we will impose a penalty of one year's interest.  The interest rate on the remaining balance may be reduced after an early withdrawal is made. The owner(s) of this certificate has the option of having interest: (1) Added back into the balance of the certificate (compounded), (2) Paid by check, (3) Deposited to their checking account, or (4) Deposited to their savings account. If more than one depositor is named such persons shall be treated as joint tenants with the right of survivorship and not as tenants in common, and any one or more of said depositors or survivor(s) may be deemed the absolute owner and agent of each other depositor. Withdrawl of all or any part of this certificate prior to maturity may be withdrawn only upon consent of bank and may be subject to interest penalties. No interest will be payable on this certificate after maturity date for which the bank has properly call this certificate for redemption. This certificate is transferable only on the books of this bank, and this bank shall be liable to any transferee(s) for any interest and/or redemption notice only after the certificate, properly endorsed, is presented to the bank for transfer, in which event a new certificate of like tenure and amount will be issued to the transferee(s). All terms of this certificate are subject to all applicable present and future laws and regulations of this State and of the United States or any agency or instrumentality therof. Present the certificate promptly at maturity if you wish to cash it or change it in order to avoid loss of interest.

 



6 Month Certificate Of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded every 6 months and will be credited every six months to the account, another account, or be paid by check.

Balance Information: We use the daily balance method to calculate the interest on your account. The method applies a periodic rate to the daily balance in the account for the period.

Limitations: You must deposit $1,000.00 to open this account. No transactions are allowed on certificates of deposit. At maturity funds may be added or withdrawn from the account without penalty.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your certificate of deposit will mature in 6 months. Early withdrawal penalties: Except in case of death, we will apply the following penalties on withdrawals prior to maturity: On certificates of 7 to 31 days we will impose a penalty of all interest earned from the date of deposit or most recent maturity date; On certificates of 32 day to and including one year we will impose a penalty of six months' interest; On certificates of more than one year we will impose a penalty of one year's interest. The interest rate on the remaining balance may be reduced after an early withdrawal is taken.  The owner(s) of this certificate has the option of having interest: (1) Added back into the balance of the certificate (compounded), (2) Paid by check, (3) Deposited to their checking account, or (4) Deposited to their savings account. If more than one depositor is named such persons shall be treated as joint tenants with the right of survivorship and not as tenants in common, and any one or more of said depositors or survivor(s) may be deemed the absolute owner and agent of each other depositor. Withdrawl of all or any part of this certificate prior to maturity may be withdrawn only upon consent of bank and may be subject to interest penalties. No interest will be payable on this certificate after maturity date for which the bank has properly call this certificate for redemption. This certificate is transferable only on the books of this bank, and this bank shall be liable to any transferee(s) for any interest and/or redemption notice only after the certificate, properly endorsed, is presented to the bank for transfer, in which event a new certificate of like tenure and amount will be issued to the transferee(s). All terms of this certificate are subject to all applicable present and future laws and regulations of this State and of the United States or any agency or instrumentality thereof. Present the certificate promptly at maturity if you wish to cash it or change it in order to avoid loss of interest.

 



12 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded every 6 months and will be credited every six months to the account, another account, or be paid by check.

Balance Information: We use the daily balance method to calculate the interest on your account. The method applies a periodic rate to the daily balance in the account for the period.

Limitations: You must deposit $1,000.00 to open this account. No transactions are allowed on certificates of deposit. At maturity funds may be added or withdrawn from the account without penalty.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your certificate of deposit will mature in 12 months. Early withdrawal penalties: Except in case of death, we will apply the following penalties on withdrawals prior to maturity: On certificates of 7 to 31 days we will impose a penalty of all interest earned from the date of deposit or most recent maturity date; On certificates of 32 day to and including one year we will impose a penalty of six months' interest; On certificates of more than one year we will impose a penalty of one year's interest. The interest rate on the remaining balance may be reduced after an early withdrawal is taken.  The owner(s) of this certificate has the option of having interest: (1) Added back into the balance of the certificate (compounded), (2) Paid by check, (3) Deposited to their checking account, or (4) Deposited to their savings account. If more than one depositor is named such persons shall be treated as joint tenants with the right of survivorship and not as tenants in common, and any one or more of said depositors or survivor(s) may be deemed the absolute owner and agent of each other depositor. Withdrawl of all or any part of this certificate prior to maturity may be withdrawn only upon consent of bank and may be subject to interest penalties. No interest will be payable on this certificate after maturity date for which the bank has properly call this certificate for redemption. This certificate is transferable only on the books of this bank, and this bank shall be liable to any transferee(s) for any interest and/or redemption notice only after the certificate, properly endorsed, is presented to the bank for transfer, in which event a new certificate of like tenure and amount will be issued to the transferee(s). All terms of this certificate are subject to all applicable present and future laws and regulations of this State and of the United States or any agency or instrumentality thereof. Present the certificate promptly at maturity if you wish to cash it or change it in order to avoid loss of interest.

 



24 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded every 6 months and will be credited every six months to the account, another account, or be paid by check.

Balance Information: We use the daily balance method to calculate the interest on your account. The method applies a periodic rate to the daily balance in the account for the period.

Limitations: You must deposit $1,000.00 to open this account. No transactions are allowed on certificates of deposit. At maturity funds may be added or withdrawn from the account without penalty.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your certificate of deposit will mature in 24 months. Early withdrawal penalties: Except in case of death, we will apply the following penalties on withdrawals prior to maturity: On certificates of 7 to 31 days we will impose a penalty of all interest earned from the date of deposit or most recent maturity date; On certificates of 32 day to and including one year we will impose a penalty of six months' interest; On certificates of more than one year we will impose a penalty of one year's interest. The interest rate on the remaining balance may be reduced after an early withdrawal is taken.  The owner(s) of this certificate has the option of having interest: (1) Added back into the balance of the certificate (compounded), (2) Paid by check, (3) Deposited to their checking account, or (4) Deposited to their savings account. If more than one depositor is named such persons shall be treated as joint tenants with the right of survivorship and not as tenants in common, and any one or more of said depositors or survivor(s) may be deemed the absolute owner and agent of each other depositor. Withdrawl of all or any part of this certificate prior to maturity may be withdrawn only upon consent of bank and may be subject to interest penalties. No interest will be payable on this certificate after maturity date for which the bank has properly call this certificate for redemption. This certificate is transferable only on the books of this bank, and this bank shall be liable to any transferee(s) for any interest and/or redemption notice only after the certificate, properly endorsed, is presented to the bank for transfer, in which event a new certificate of like tenure and amount will be issued to the transferee(s). All terms of this certificate are subject to all applicable present and future laws and regulations of this State and of the United States or any agency or instrumentality thereof. Present the certificate promptly at maturity if you wish to cash it or change it in order to avoid loss of interest.

 



36 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded every 6 months and will be credited every six months to the account, another account, or be paid by check.

Balance Information: We use the daily balance method to calculate the interest on your account. The method applies a periodic rate to the daily balance in the account for the period.

Limitations: You must deposit $1,000.00 to open this account. No transactions are allowed on certificates of deposit. At maturity funds may be added or withdrawn from the account without penalty.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your certificate of deposit will mature in 36 months. Early withdrawal penalties: Except in case of death, we will apply the following penalties on withdrawals prior to maturity: On certificates of 7 to 31 days we will impose a penalty of all interest earned from the date of deposit or most recent maturity date; On certificates of 32 day to and including one year we will impose a penalty of six months' interest; On certificates of more than one year we will impose a penalty of one year's interest. The interest rate on the remaining balance may be reduced after an early withdrawal is taken.  The owner(s) of this certificate has the option of having interest: (1) Added back into the balance of the certificate (compounded), (2) Paid by check, (3) Deposited to their checking account, or (4) Deposited to their savings account. If more than one depositor is named such persons shall be treated as joint tenants with the right of survivorship and not as tenants in common, and any one or more of said depositors or survivor(s) may be deemed the absolute owner and agent of each other depositor. Withdrawl of all or any part of this certificate prior to maturity may be withdrawn only upon consent of bank and may be subject to interest penalties. No interest will be payable on this certificate after maturity date for which the bank has properly call this certificate for redemption. This certificate is transferable only on the books of this bank, and this bank shall be liable to any transferee(s) for any interest and/or redemption notice only after the certificate, properly endorsed, is presented to the bank for transfer, in which event a new certificate of like tenure and amount will be issued to the transferee(s). All terms of this certificate are subject to all applicable present and future laws and regulations of this State and of the United States or any agency or instrumentality thereof. Present the certificate promptly at maturity if you wish to cash it or change it in order to avoid loss of interest.

 



48 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded every 6 months and will be credited every six months to the account, another account, or be paid by check.

Balance Information: We use the daily balance method to calculate the interest on your account. The method applies a periodic rate to the daily balance in the account for the period.

Limitations: You must deposit $1,000.00 to open this account. No transactions are allowed on certificates of deposit. At maturity funds may be added or withdrawn from the account without penalty.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your certificate of deposit will mature in 48 months. Early withdrawal penalties: Except in case of death, we will apply the following penalties on withdrawals prior to maturity: On certificates of 7 to 31 days we will impose a penalty of all interest earned from the date of deposit or most recent maturity date; On certificates of 32 day to and including one year we will impose a penalty of six months' interest; On certificates of more than one year we will impose a penalty of one year's interest. The interest rate on the remaining balance may be reduced after an early withdrawal is taken.  The owner(s) of this certificate has the option of having interest: (1) Added back into the balance of the certificate (compounded), (2) Paid by check, (3) Deposited to their checking account, or (4) Deposited to their savings account. If more than one depositor is named such persons shall be treated as joint tenants with the right of survivorship and not as tenants in common, and any one or more of said depositors or survivor(s) may be deemed the absolute owner and agent of each other depositor. Withdrawl of all or any part of this certificate prior to maturity may be withdrawn only upon consent of bank and may be subject to interest penalties. No interest will be payable on this certificate after maturity date for which the bank has properly call this certificate for redemption. This certificate is transferable only on the books of this bank, and this bank shall be liable to any transferee(s) for any interest and/or redemption notice only after the certificate, properly endorsed, is presented to the bank for transfer, in which event a new certificate of like tenure and amount will be issued to the transferee(s). All terms of this certificate are subject to all applicable present and future laws and regulations of this State and of the United States or any agency or instrumentality thereof. Present the certificate promptly at maturity if you wish to cash it or change it in order to avoid loss of interest.

 



60 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded every 6 months and will be credited every six months to the account, another account, or be paid by check.

Balance Information: We use the daily balance method to calculate the interest on your account. The method applies a periodic rate to the daily balance in the account for the period.

Limitations: You must deposit $1,000.00 to open this account. No transactions are allowed on certificates of deposit. At maturity funds may be added or withdrawn from the account without penalty.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your certificate of deposit will mature in 60 months. Early withdrawal penalties: Except in case of death, we will apply the following penalties on withdrawals prior to maturity: On certificates of 7 to 31 days we will impose a penalty of all interest earned from the date of deposit or most recent maturity date; On certificates of 32 day to and including one year we will impose a penalty of six months' interest; On certificates of more than one year we will impose a penalty of one year's interest. The interest rate on the remaining balance may be reduced after an early withdrawal.  The owner(s) of this certificate has the option of having interest: (1) Added back into the balance of the certificate (compounded), (2) Paid by check, (3) Deposited to their checking account, or (4) Deposited to their savings account. If more than one depositor is named such persons shall be treated as joint tenants with the right of survivorship and not as tenants in common, and any one or more of said depositors or survivor(s) may be deemed the absolute owner and agent of each other depositor. Withdrawl of all or any part of this certificate prior to maturity may be withdrawn only upon consent of bank and may be subject to interest penalties. No interest will be payable on this certificate after maturity date for which the bank has properly call this certificate for redemption. This certificate is transferable only on the books of this bank, and this bank shall be liable to any transferee(s) for any interest and/or redemption notice only after the certificate, properly endorsed, is presented to the bank for transfer, in which event a new certificate of like tenure and amount will be issued to the transferee(s). All terms of this certificate are subject to all applicable present and future laws and regulations of this State and of the United States or any agency or instrumentality thereof. Present the certificate promptly at maturity if you wish to cash it or change it in order to avoid loss of interest.


Individual Retirement Accounts (IRA)

IRA's are offered under the same maturities and interest rates as Certificates of Deposit.


OTHER ACCOUNT FEES

Cashiers Checks, Money Orders, Personal Money Orders:
$5.00

Saftey Deposit Boxes  (Not all sizes are available at all locations):
$20 per Year - Small

$30 per Year - Medium

$40 per Year - Large

$50 per Year - Extra Large

Safety Deposit Replacement Fee.
$20 for One Lost Key

$100 for Forced Entry

Escrow Fees:
$500

Letter of Credit:
Request is run through the Discount Committee.

1-2% Fee - Minimum of $125

Maximum term 1 year

Loan Fees on Consumer Loans:
$35 or 2% of Amount Requested, whichever is less (Non-Real Estate)

$250 Residential Real Estate

Wire Transfers:
$10 for incoming wire.

$15 for outgoing wire.

$50 for outgoing international wire

NSF check charge to depositor:
$10 per check (non-on-us check)

$10 per check (on-us check)

NSF check charge to maker:
$17.00 or $25.00 (dependent upon type of account)

Overdraft  Charge to maker:
$17.00 or $25.00 (dependent upon type of account)

Periodic Overdraft Charge (consecutively overdrawn):
$20

Stop Payment Charges:
$15.00

Dormant Account Fee:
$5 per month after 1 year of inactivity when balance is less than $100

Research Time:
$30 per hour

Incoming and Outgoing Collection Item:
$15.00

Night Deposit Bag Fee:
$40 per bag (refunded when surrendered)

ACH Origination Files:
$100 Setup Fee + $8.00 per file or diskette

ATM Charges:
$2.00 is charged to non-customers using our ATM

$0.00 is charged to our customers using an ATM in the DCI network

$1.00 is charged to our customers for using an ATM outside of the DCI network

International  ATM and Debit Card transactions will be assessed a fee of 1.5% of the dollar volume of the international transaction, which is equal to the fee the Bank is charged by the card servicer.

Debit / ATM Card Reissuance Fees:
$10 Damaged or Cracked Card

$20 Lost or Stolen

Debit / ATM PIN Reissuance:
$5 per Reissued PIN

Garnishment Fee:
$15

Non-customer Coin Counting:
5% of Counted Amount (no charge to SNB customer)

Miscellaneous Services

Image Statements

Direct Deposit

Direct Debit

Night Depository

Bank In Person, By Mail, or Via Internet

Stop Payment Orders

Wire Transfers

Cashier Checks

Money Orders

Notary

Gift Collectible Coin Sets

Corporate ACH Origination

Accidental Death & Dismemberment Insurance

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Copyright © 2010 Stockton National Bank. All rights reserved. Member FDIC. Equal Housing Lender