| Absolutely Basic Checking |
- Minimum deposit to open - $100
- No monthly service fee
- No minimum balance requirement
- Unlimited check writing
- Monthly statement with no image enclosures
- ATM/Debit card available upon approval
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| Regular Checking |
- Minimum deposit to open - $100
- Monthly service charge of $6 if daily balance falls below $500
- Monthly Statement with image enclosures
- $.20 per check paid over 50 checks
- ATM/Debit card available upon approval
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| Now Checking |
- Minimum deposit to open - $1500
- Monthly service charge of $10 if daily balance falls below $1500
- Unlimited check writing
- Interest bearing
- Monthly statement with image enclosures
- ATM/Debit card available upon approval
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| Business Checking |
- Minimum Deposit to open - $100
- Monthly service charge of $10 if daily balance falls below $1000
- Unlimited check writing
- Monthly statement with image enclosures
- ATM/Debit card available upon approval
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| Senior Free Checking |
- Minimum Deposit to open - $100
- No minimum balance requirement
- Unlimited check writing
- Must be 55 or over
- Free personalized blue safety paper checks - wallet style only/ $5 discount on all other styles
- Monthly statements with image enclosures
- ATM/Debit card available upon approval
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| Student Checking |
- Minimum Deposit to open - $100
- No minimum balance requirement
- $.20 per check paid over 25 checks
- Available to full time students - 22 & under
- Monthly statments with image enclosures
- ATM/Debit card available upon approval
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| Club Checking |
- Minimum Deposit to open - $100
- Monthly service charge based on club type *see club fees below*
- Balance requirements based on club type *see club fees below*
- Unlimited check writing
- Free personalized blue safety paper checks - wallet style only, limit 600 per year, $5 discount on all other styles
- Accidental Death Insurance - $10,000 24-hour coverage
- Travlers checks - $.50 per hundred charge on checks for two
- Bank Money Orders - 3 free per month
- Photo copy service
- First year safe deposit box discount - new safe deposit box rentals only
- Interest earned on Advantage Club 55 & Club NOW Account - must maintain minimum balance requirements or additional fees may apply
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| *Club Fees |
| Advantage Bank Club Monthly Fee |
- Standard - $8
- Double - $9
- Family - $10
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| Advantage Bank Club Account 55 Monthly Fee |
- Standard - $4
- Double - $4.50
- Family - $5
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| Club NOW Account Monthly Fee |
- Standard - $8
- Double - $9
- Family $10
- Minimum daily balance requirement of $1500
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MONEY MARKET ACCOUNTS
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| Money Market |
- Minimum deposit to open - $2500
- Monthly service charge of $10 if daily balance falls below $2500
- Six transactions allowed each month.
- Transaction fee of $10 each after 6th transaction
- Interest Bearing
- Monthly statement with image enclosures
- ATM/Debit card available upon approval
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| Money Market Plus |
- Minimum deposit to open - $2500
- Monthly service charge of $10 if daily balance falls below $2500
- Six transactions allowed each month.
- Transaction fee of $10 each after sixth transaction
- Monthly statement with image enclosures
- ATM/Debit Card available upon approval
- Interest bearing tiered rate structure
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SAVINGS ACCOUNTS
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| Statement Savings |
- Minimum deposit to open - $25
- Monthly service charge of $3 if daily balance falls below $200
- Five withdrawals allowed each quarter -$2 for each additional withdrawal
- Quarterly statements - Monthly if electronic activity posts
- ATM/Debit card available upon approval
- Minors are exempt from fees
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| Christmas Club |
- Minimum deposit to open - $10
- Deposits start the first week of November
- Ends/Check mailed mid-October
- $10 fee for early withdrawals or closing prior to Mid-October
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LOANS
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| Personal Loans |
- We make personal loans for most any worth while purpose. Rates and terms vary, but are very competitive with rates that can be found with other lenders for similar loans.
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| Vehicle Loans |
- Financing is available for both new and late model used cars, trucks and SUVs. We offer terms of up to 5 years with payments tailored to fit your budget. Rates vary based on age and mileage of the vehicle.
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| RV / Watercraft Loans |
- We provide financing to purchase a new or used boat or recreational vehicle. Rates and terms are comparable to those we offer on vehicle loans.
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| Residential Real Estate Loans |
- We offer residential real estate loans for home purchases or refinancing. Or you can just borrow against the equity in your home for investment, college expenses, new additions, etc. We offer both fixed and variable rate loans with terms up to 30 years. Our rates and closing costs are very competitive and service is quick, friendly and convenient. We also offer loans to investors for the purchase or refinance of residential rental properties.
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| Agricultural Loans |
- Regardless of the nature of your farming operation, whether diversified or concentrated in row crops, cattle or dairy, our loan officers will endeavor to provide the financing to make you successful. We offer loans for farm purchases or re-financings, crop production lines, equipment and livestock purchases, and other needs of our agricultural borrowers.
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| Commercial Loans |
- Our loan officers have many years of experience in commercial lending. We want to get to know you and your business. We provide financing for commercial real estate purchases and expansions, seasonal operating needs, equipment purchases, inventory increases, and other financing needs of our business community.
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24/7 CONVENIENCE BANKING
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| Internet Banking |
- Monitor your account activity
- Transfer funds between accounts
- View paid check images
- Stock Quotes feature available
- Safe, Fast & Secure
- To view a demo, click here
- Must have a checking account to sign up
- It's FREE!!!
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| Bill Payment & Presentment |
- Pay your bills from anywhere you can access the internet
- View your bills through Bill Presentment
- Set email reminders
- To view a demo, click here.
- Safe, Fast & Secure
- Save money on stamps
- It's FREE!!!!
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| Online Statements |
- Accessed through internet banking - must be registered for internet banking.
- No waiting for your monthly statement - view it online as soon as it is ready.
- Email informs you when your statement is available
- No more worries about your paper statement being stolen from your mailbox!
- It's FREE!!!!
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ABC Line
1-888-542-4186
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- Toll Free number
- Your inital Pin number is the last four digits of your Social Security number.
- For Security reasons, you must change your password at first usage.
- You must have your account number to access information.
- You can monitor your account balance, see if a check has cleared or transfer funds between accounts. *
*If you wish to be enabled to transfer funds and you are not currently an Internet Banking customer, please visit either location to sign up.
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Internet Banking & Bill Pay Support
1-866-830-2697
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- Live support to assist you with your internet banking and bill payment questions
- 24 hours a day, 7 days a week - even weekends and holidays
- Toll free number
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| Other Products |
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| IRA |
- Planning for the future? Our IRA rates are competitive. Call us for full details and current rates.
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| Certificates of Deposit |
- We offer Certificate of Deposits with maturities ranging from 3 months to 5 years. Our rates are competitive plus you can receive your interest at various intervals depending on your wishes. Call us today for a current rate quote.
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| Service Fee Schedule |
Overdraft & Return Fees
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- Return Item Fee - $30
- Paid Item Fee - $30
- AOD Paid Item Fee - $30
- Automatic Transfer Service Paid Fee - $5/transfer
- Negative Balance Fee - $2
(Assessed to your checking account upon the fifth business day that your account is overdrawn and each business day that your account is overdrawn thereafter.)
- Stop Payment Fee - $25
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Statement Requests
- Current -$3
- Previous - $5
- Returned Statement Fee - $5
Check Printing Fees
- Club Account Customers - Free
(600 checks pre year/blue safety paper/ $5 discount on other styles)
- Other Account Holders - Fee depends on style ordered
ATM / Debit Card Fees
- Fee per ATM transaction at Non-ABC Terminal - $2
- International Transaction Fee - 1% or Transaction Amount
- Replacement Card - $5
- Replacement PIN - $2
Bank Money Orders
- Customer - $5
- Non-Customer - $10
Other Fees
- Notary Fee/Non-Customer - $5
- Research - $20 per hour / Minimum charge - $10
- Microfilm Copy - $3
- Account Monitoring - $25
(Incomplete information for stop payments, lost check books, etc.)
- Photocopy - $1
- Travelers Cheques - $1.50
- Travelers Cheques for Two - $2.50
- Check Cashing Fee(Non-Customer) - $10
- Foreign Check Collection - $5
- Account Closed Within 90 Days of Opening -$50
- Dormant Fee - $5
(Monthly fee after 6 months of no activity - balance of $500 or less)
- Temporary Check Fee - $.25 per check
- Night Deposit Bags - $5 Vinyl Zip
$10 Zip Lock
- IRA External Fee - $25
- Cash Advance Fee / Non-Customer -$10
- Levy/Garnishment - $75
- Replacement Loan Coupon Book - $5
Fax Fee
- Customer - $1
- Non-Customer - $3
Wire Transfers
- Incoming / Customer - $10
- Outgoing / Customer - $20
- International Wire -$50
(Customers Only -Incoming/Outgoing)
Safe Deposit Box Fees
- 2 x 5 - $15 Annually
- 6 x 5 - $20 Annually
- 3 x 10 - $25 Annually
- 5 x 10 - $30 Annually
- Late Fee - $5 per month
- Lost Key Fee - $20
- Drill Charge - $150
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