Personal / Checking

Interest Bearing

 
The Prestige Account
N.O.W. Account
Super N.O.W. Account
Money Market Investment
Account Specifics        
Balance for no monthly service charge None $1,000.00 $2,500.00 $2,500.00
Monthly service charge $8.00/$6.00/$4.00 None^ None^ None^
Interest bearing
Yes

See Current Rates

Yes

See Current Rates

Yes

See Current Rates

Yes

See Current Rates

Special features Account Charge is based on the account you choose: 

$8.00 per month = family plan, $25,000 in accidental death insurance 

$6.00 per month = individual plan, $10,000 in accidental death insurance 

More Information

There is a $0.15 per debit item service charge for each check, transfer, withdrawal, or VISA QuikChek Card transaction posted over 20 for the month. 

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information 

There is a $0.20 per debit item service charge for each check, transfer, withdrawal, or VISA QuikChek Card transaction posted over 20 for the month. 

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information

There is a $1.00 per item charge for the first three check, transfer, withdrawal, or VISA QuikChek card transactions.

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information

Non-Interest Bearing

 
Regular Checking
Senior Citizen Basic
Student Basic
Account Specifics      
Balance for no monthly service charge $600.00 None None
Monthly service charge Daily Balance Base Charge:
$0.00-$99.99 $6.00
$100.00-$199.99 $5.00
$200.00- $299.99 $4.00
$300.00-$399.99 $3.00
$400.00-$499.99 $2.00
$500.00-$599.99 $1.00
$600 and up $0.00
 
None* None*
Interest bearing No No No
Special features
There is a charge of $0.20 for each check and/or debit transaction over 30 per month 

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information 

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information

ATM service charges apply.  A fee of $1.00 is charged for each ATM card transaction at a "foreign" ATM. 

More Information

 

* No account charges will be assessed as long as the account is in good standing.
^ A monthly maintenance charge of $10.00 will be applied if the balance falls below the minimum balance required to avoid account maintenance charges.

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Regular Checking

  • $100.00 deposit required at account opening.
  • Service charge is based on monthly account balance.
  • There is a charge of $0.20 for each check and/or debit over 30 per month.
  • ATM card service charges apply. A fee of $1.00 is charged for each ATM card transaction at a "foreign ATM". A "foreign ATM" is any ATM other than the ATM at the State Bank of Bement in Bement, IL, Bement Stop N' Go in Bement, IL, East End Tavern in Monticello, IL, Deedrick Rentals in Sadorus, IL, State Bank of Cerro Gordo in Cerro Gordo, IL,or The First National Bank of Ivesdale in Ivesdale, IL.

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The Prestige Account

  • $100.00 deposit required at account opening.
  • Account charge is based on the account you choose:
    $8.00 per month = the family plan, $25,000 in accidental death insurance.
    $6.00 per month = individual plan, $10,000 in accidental death insurance.
  • Individuals over 50 receive $2.00 off the monthly fee.
  • Travel benefits.
  • Preferred rate on new installment loans.
  • No ATM fees (unless you are using a "foreign ATM" and that financial institution charges a fee).
  • Wallet checks at no cost, duplicates issued at half price.
  • Unlimited checking, no per check charges.
  • Interest on checking.
  • Travelers cheques and money orders at no issue fee.
  • Open a new savings account with a $100.00 deposit and we will deposit $5.00.
  • ID network safety service.
  • Payment card protection.
  • Document and personal property registry.
  • Medical emergency data card.
  • Overdraft protection.
  • DateReminder service.
  • No rental for first year with a new safe deposit box.
  • Savers club book.
  • Auto trip routing.
  • Discount on license plate stickers.
  • We reserve the right to change the interest rate on a daily basis.

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Senior Citizens Basic

  • $100.00 deposit required at account opening.
  • No account fees are assessed as long as account is in good standing.
  • ATM card service charges apply.
  • 62 or older

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Student Basic

  • $100.00 deposit required at account opening.
  • No account fees are assessed as long as account is in good standing.
  • ATM card service charges apply.

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N.O.W. Account

  • Interest bearing account.
  • Opening deposit of $1,000.00.
  • Minimum balance of $1,000.00. If balance falls below $1,000.00 any day during the month, a service charge of $10.00 will be applied.
  • The first 20 checks, transfers, withdrawals, or VISA EZCheck card transactions posted to the account are charged no fee.  Thereafter, a $0.15 per check or item service charge will apply.
  • ATM card service charges apply.
  • We reserve the right to change the interest rate on a daily basis.

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Super N.O.W. Account

  • Interest bearing account.
  • Opening deposit of $2,500.00.
  • Minimum balance of $2,500.00. If balance falls below $2,500.00 any day during the month, a service charge of $10.00 will be applied. VISA EZCheck and bill pay transactions excluded.
  • The first 20 checks, transfers, withdrawals, or VISA EZCheck card transactions posted to the account are charged no fee. Thereafter, a $0.20 per check or item service charge will apply.
  • ATM card service charges apply.
  • We reserve the right to change the interest rate on a daily basis.

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Money Market Investment

  • Interest bearing account.
  • Opening deposit of $2,500.00.
  • Minimum balance of $2,500.00. If balance falls below $2,500.00 any day during the month, a service charge of $10.00 will be applied.
  • Each check, transfer, withdrawal, or VISA QuikChek transaction costs $1.00. Fourth or subsequent checks, transfers, withdrawals, or VISA QuikChek card transactions cost an additional $5.00 per item.
  • ATM card service charges apply.
  • We reserve the right to change the interest rate on a daily basis.

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