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**View
Our Account Disclosures** |
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First National Bank of Mt. Pulaski Deposit Products
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Choose a
deposit account that serves your specific financial needs. |
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Checking
(Transaction) Accounts:
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Savings
(Non-Transaction) & Time Deposit Accounts:
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| Basic
No-Frills Checking: |
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| The
Basic No-Frills Checking Account is a low cost, limited transaction
account with bank charges based upon account balances and check writing
activity. Minimum initial deposit of $100. |
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Service Charge: |
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| Monthly
Average Balance $100.01 and over |
No
Charge |
| Monthly
Average Balance $1.00 - 100.00 |
$2.00
per statement |
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| Check
Writing / POS Debit Charges: |
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| Up
to 15 checks/debits posted per statement |
No
Charge |
| Above
15 checks/debits posted per statement |
$.20
per check/debit |
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| ATM/VISA
Check Card Fees: |
$.50
per foreign ATM transaction + terminal owner fees |
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| Senior
Citizens Checking: |
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| The
Senior Citizens Checking Account is an unlimited transaction account
with bank charges based upon check writing activity. Requires
direct deposit of Social Security Check or other retirement benefit
check during the statement cycle and account owner age 62 and over. Minimum initial deposit
of $100. No monthly statement fee. No minimum balance
requirement. Optional image and/or combined statements.
Initial order of 150 duplicate or 200 regular checks are free. |
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| Check
Writing / POS Debit Charges: |
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| Up
to 50 checks/debits posted per statement |
No
Charge |
| Above
50 checks/debits posted per statement |
$.10
per check/debit |
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| ATM/VISA
Check Card Fees: |
$.50
per foreign ATM transaction + terminal owner fees |
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| Regular
Checking: |
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| The
Regular Checking Account is an unlimited transaction account with bank
charges based upon account balances and check writing activity.
Monthly statement fee waived with direct deposit of payroll or other
benefit during each statement cycle. Minimum initial deposit of $100. |
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Service Charge: |
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| Monthly
Average Balance $750.01 and over |
No
Charge |
| Monthly
Average Balance $500.01 - $750.00 |
$1.00
per statement |
| Monthly
Average Balance $300.01 - $500.00 |
$2.00
per statement |
| Monthly
Average Balance $100.01 - $300.00 |
$3.00
per statement |
| Monthly
Average Balance $1.00 - $100.00 |
$4.00
per statement |
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| Check
Writing / POS Debit Charges: |
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| Up
to 50 checks/debits posted per statement |
No
Charge |
| Above
50 checks/debits posted per statement |
$.15
per check/debit if average balance is below $750.01. |
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| ATM/VISA
Check Card Fees: |
$.50
per foreign ATM transaction + terminal owner fees |
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| NOW
Account: |
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| The
NOW Account is an interest bearing checking account. The
interest earned depends on the balance maintained in the account and
the monthly APY. NOW Account ownership is limited based upon
restrictions of Regulation D. Service charges are based upon
account balances and check writing activity. Minimum initial
deposit of $1,000. Interest accrues daily on collected balance
and is deposited monthly. Interest rate is subject to change
daily. Optional image and/or combined statements. Initial order
of 150 duplicate or 200 regular checks are free. |
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Service Charge: |
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| Minimum
Daily Balance $1000.00 and over |
No
Charge |
| Minimum
Daily Balance below $1,000 |
$7.50
per statement |
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| Check
Writing / POS Debit Charges: |
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| Up
to 50 checks/debits posted per statement |
No
Charge |
| Above
50 checks/debits posted per statement |
$.10
per check/debit |
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| ATM/VISA
Check Card Fees: |
$.50
per foreign ATM transaction + terminal owner fees |
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| Regular
Savings: |
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| The
Regular Savings Account is an interest bearing, non-transaction,
deposit account. Interest earned depends upon the balance
maintained in the account and the APY interest rate. Minimum
initial deposit is $100.00. Interest rate is subject to change
daily. Semi-annual statement and interest paid. Service
charges are posted to the account monthly. Optional ATM/VISA
Check Card. Optional image and/or combined statements. |
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Service Charge: |
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| Minimum
Balance $100.00 and above |
No
Charge |
| Minimum
Balance below $100.00 |
$1.00
per monthly statement |
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| Withdrawal
Charges: |
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| Up
to 4 withdrawals per month |
No
Charge |
| Above
4 withdrawals per month |
$1.00
per withdrawal. |
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| ATM/VISA
Check Card Fees: |
$.50
per foreign ATM transaction + terminal owner fees |
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| Money
Market Deposit Account: |
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| The
Money Market Deposit Account is a limited transaction, interest
bearing savings account, based on tiered balance. Transaction
activity is subject to the limitations of Regulation D. Interest
earned depends on the balance maintained in the account and the APY
interest rate. Minimum initial deposit is $1,000. Interest
calculated on daily collected balance and deposited to the account
monthly. Interest rate is subject to change daily.
Optional image and/or combined statements. Optional ATM/VISA
Check Card. |
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Service Charge: |
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| Minimum
Daily Balance $1000.00 and over |
No
Charge |
| Minimum
Daily Balance below $1,000 |
$7.50
per statement |
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| Check
Writing / POS Debit Charges: |
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| Up
to 3 checks/debits posted per statement |
No
Charge |
| Above
3 checks/debits posted per statement |
$5.00
per check/debit |
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| ATM/VISA
Check Card Fees: |
$.50
per foreign ATM transaction + terminal owner fees |
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| Individual
Retirement Account (IRA): |
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| Individual
Retirement Accounts are interest bearing deposit accounts for
retirement purposes. Interest earned depends on the balance
maintained in the account and the type of account chosen.
Interest is compounded semi-annually. Federal regulations
require penalty for early withdrawal. For annual deposit
limitations and tax deductibility, see your tax advisor. |
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| Certificate
of Deposit Accounts: |
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| Certificate
of Deposit Accounts (CDs) are fixed rate, fixed term, interest bearing
time deposit accounts. Interest earned depends upon balance
maintained in the account and the APY interest rate. Substantial
penalty for early withdrawal. Minimum deposit on all CD terms is
$1,000. See deposit rate sheet for terms and rates available. |
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| Club
Accounts: |
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| The
bank offers Vacation, Christmas, and College Club accounts.
Vacation and Christmas accounts are non-interest bearing savings
accounts, however, bank pays final club payment providing all previous
weekly payments have been made. Vacation Club Accounts are paid
in the middle of May, and the Christmas Club Accounts are paid at the
end of October.
College Club Accounts are interest bearing Savings Accounts that
capitalize interest the first of August of each year. Interest
earned depends on balance maintained in the account and the monthly
APY interest rate. Interest rate is subject to change daily. |
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| Please
review our account disclosures
for more details regarding the above deposit accounts. Contact
the Mt. Pulaski location for
more details on the above accounts or to determine which account would
best serve your specific financial needs. |
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