|
 Checking Accounts
|
Account Type |
Minimum Balance |
Features |
|
equality
Checking |
None |
Click
here for brochure.
Frequently Asked Questions. |
|
Free Checking |
None |
This account is available to all Individuals. There is no
minimum balance requirement. You will receive a text only
statement (check images not available). Enjoy all the benefits
of unlimited check writing, Mastercard Debit Card, free Internet
Banking and one complimentary box of checks. Limitations:
You must deposit $25.00 to open this account. |
|
Student/ Minor/ Organization Checking |
None |
This account is available to Full-time Students, Minors and
Organizations. There is no minimum balance requirement.
Limitations: You must deposit $10.00 to open this account. |
|
Regular Checking |
$200 |
This account is available to all depositors. Limitations:
You must deposit $200.00 to open this account. Account Fees:
The monthly minimum balance fee if the daily balance drops below
$200.00 any day of the statement cycle is $3.50. |
|
NOW Account |
$500 |
This account is available to Individuals, Sole Proprietors, Not
for Profit Organizations and Government Units (Partnerships and
Corporations not eligible). 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 at
any time. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for
example, checks). Interest will be compounded monthly and will
be credited to the account 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
collected principal in the account each day. Limitations:
You must deposit $500.00 to open this account. Account Fees:
The monthly minimum balance fee if the daily balance drops below
$500.00 any day of the statement cycle is $5.00. |
|
Premier Checking |
None |
This account is available to all individuals. 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 at any time. You will not receive any interest
for any day on which your daily balance drops below $1,000.00.
Interest begins to accrue no later than the business day we
receive credit for the deposit of noncash items (for example,
checks). Interest will be compounded monthly and will be
credited to the account 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
collected principal in the account each day. You must maintain a
minimum balance of $1,000.00 in the account each day to obtain
the disclosed annual percentage yield. Limitations: You
must deposit $100.00 to open this account. Account Fees:
No minimum balance required. Every month you will be charged a
$5.00 membership fee. |
|
Premier Plus Checking |
None |
This account is available to all individuals. 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 at any time. You will not receive any interest
for any day on which your daily balance drops below $500.00.
Interest begins to accrue no later than the business day we
receive credit for the deposit of noncash items (for example,
checks). Interest will be compounded monthly and will be
credited to the account 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
collected principal in the account each day. You must maintain a
minimum balance of $500.00 in the account each day to obtain the
disclosed annual percentage yield. Limitations: You must
deposit $100.00 to open this account. Account Fees: No
minimum balance required. Every month you will be charged a
$9.00 membership fee. |
|
Money Market Account |
$1,000 |
This account is available to all depositors. Rate
Information: This Account is an interest bearing account.
The interest rate and annual percentage yield will depend upon
the 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 at
any time. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for
example, checks). Interest will be compounded monthly and will
be credited to the account 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
collected principal in the account each day. Limitations:
You must deposit $2,500.00 to open this account. You may make
six (6) preauthorized transfers from your account per month, but
only three (3) may be payments by check to third parties. You
may make unlimited withdrawals in person. Account Fees:
The monthly minimum balance fee if the daily balance drops
below $1 ,000.00 any day of the statement cycle is $5.00. |
|
Premier Money Market Account |
$25,000 |
This account is available to all depositors. Rate
Information: This Account is an interest bearing account.
The interest rate and annual percentage yield will depend upon
the 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 at
any time. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for
example, checks). Interest will be compounded monthly and will
be credited to the account 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
collected principal in the account each day. Limitations:
You must deposit $25,000.00 to open this account. You may make
six (6) preauthorized transfers from your account per month, but
only three (3) may be payments by check to third parties. You
may make unlimited withdrawals in person. Account Fees:
The monthly minimum balance fee if the daily balance drops below
$25,000.00 any day of the statement cycle is $20.00. |
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Savings Accounts
|
Savings Account Type |
Minimum Balance |
Features |
|
Regular Passbook Savings |
$50 |
This account is available to all depositors. Rate
Information: This Account is an interest bearing account.
The interest rate and annual percentage yield will depend upon
the 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 at
any time. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for
example, checks). Interest will be compounded semi-annually and
will be credited to the account semi-annually. Balance
Information: We use the daily balance method to calculate
the interest on the account. This method applies a daily
periodic rate to the collected principal in the account each
day. Limitations: You must deposit $50.00 to open this
account. You may make six (6) transfers from your account each
four (4) week or similar period, if by preauthorized or
automatic transfer, or telephone (including data transmission)
agreement, order or instruction. Three (3) of these transfers
may be made by check, draft, debit card or similar order
(including POS transactions), made by the depositor and payable
to third parties. Transfers and withdrawals made in person, by
messenger, by mail or at an ATM are unlimited. Account Fees:
The semi-annual minimum balance fee if the daily balance drops
below $50.00 any day of the statement cycle (Minors/Nonprofit
Organizations Exempt) is $1.00. |
|
Statement Savings |
$50 |
This account is available to all
depositors with a new or existing checking account and Direct
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 may change.
At our discretion, we may change
the interest rate on the account at any time. Interest begins to
accrue no later than the business day we receive credit for the
deposit of noncash items (for example, checks). Interest will be
compounded semi-annually and will be credited to the account
semi-annually.
Balance Information:
We use the daily balance method to calculate the interest on the
account. This method applies a daily periodic rate to the
collected principal in the account each day. Limitations:
You must deposit $50.00 to open this account. You may make six
(6) transfers from your account each four (4) week or similar
period, if by preauthorized or automatic transfer, or telephone
(including data transmission) agreement, order or instruction.
Three (3) of these transfers may be made by check, draft, debit
card or similar order (including POS transactions), made by the
depositor and payable to third parties. Transfers and
withdrawals made in person, by messenger, by mail or at an ATM
are unlimited. Account Fees: The semi-annual minimum
balance fee if the daily balance drops below $50.00 any day of
the statement cycle (Minors/Nonprofit Organizations Exempt) is
$1.00 |
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Time Certificates
|
CD
RATES
$1,000.00 minimum deposit* |
| account |
Interest rate |
apy |
|
|
|
|
|
|
|
*Annual
Percentage Yield (APY) assumes principal and interest remain on deposit for the
term of the certificate. Interest will be compounded quarterly and will be
credited to the account quarterly. This CD will automatically renew for a term
set by the bank and the rate at renewal will be the rate in effect at
that time for the new term CD.
|
Certificates of
Deposit |
$1,000
|
This account is
available to all individuals. 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 term chosen at the time of purchase. We offer
certificates with varying maturities. You may choose one of
three ways to have interest credited: 1) Interest may be added
to your certificate each quarter (compound), 2) Interest may be
paid by check periodically, 3) Interest may be deposited to a
different account periodically. Interest begins to accrue on the
business day you open the account. Interest will be compounded
quarterly and will be credited quarterly. We will mail the
interest in a check to you or deposit the interest in an account
that you designate. The annual percentage yield assumes
interest will remain on deposit until maturity. A withdrawal
will reduce earnings. 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. Limitations: You must
deposit $1,000.00 to open this account. You may not make
additional deposits into this account. During the term of the
account you may withdraw any interest that may have been
credited to the account without a penalty. Any withdrawal of
principal prior to the maturity date is subject to a penalty.
Time Account Information: Your account will mature in the
term chosen at the time of purchase. If you withdraw any of the
principal before the maturity date, we may impose a penalty of:
ORGINAL MATURITY LESS THAN ONE YEAR –a penalty of three months’
interest will be charged to your account. ORIGINAL MATURITY OF
ONE YEAR THROUGH TWO YEARS – a penalty of six months’ interest
will be charged to your account. ORIGINAL MATURITY LONGER THAN
TWO YEARS – a penalty of one years’ interest will be charged to
your account. If you withdraw a portion of the principal before
the maturity date, you will be charged the appropriate penalty
on the portion withdrawn plus a $25.00 fee. If you choose to
redeem the certificate during the ten day grace period, you will
not be paid interest from the maturity date to the date of
redemption. This account will automatically renew. You will
have 10 calendar days after the maturity date to withdraw funds
without penalty. If you do not withdraw the funds, each renewal
term will be for the period of time as disclosed in your Account
Agreement. |
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Individual Retirement Accounts
|
IRA Account Type |
Opening Deposit |
Features |
|
IRA Passboook Savings |
$50 |
This account is available to all depositors. Rate
Information: This Account is an interest bearing account.
The interest rate and annual percentage yield will depend upon
the 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 at
any time. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for
example, checks). Interest will be compounded semi-annually and
will be credited to the account semi-annually. Balance
Information: We use the daily balance method to calculate
the interest on the account. This method applies a daily
periodic rate to the collected principal in the account each
day. Limitations: You must deposit $50.00 to open this
account. You may make six (6) transfers from your account each
four (4) week or similar period, if by preauthorized or
automatic transfer, or telephone (including data transmission)
agreement, order or instruction. Three (3) of these transfers
may be made by check, draft, debit card or similar order
(including POS transactions), made by the depositor and payable
to third parties. Transfers and withdrawals made in person, by
messenger, by mail or at an ATM are unlimited. |
|
IRA Certificate of Deposit |
$250 |
This account is available to all
individuals. 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 term
chosen at the time of purchase. We offer IRA certificates with
varying maturities. Interest begins to accrue on the business
day you open the account. Interest will be compounded quarterly
and will be credited quarterly. The annual percentage yield
assumes interest will remain on deposit until maturity. A
withdrawal will reduce earnings.
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. Limitations: You must
deposit $250.00 to open this account. You may not make
additional deposits into this account. During the term of the
account you may withdraw any interest that may have been
credited to the account without a Bank penalty. Any withdrawal
of principal prior to the maturity date is subject to a Bank
penalty. Penalty free withdrawals are permitted after attaining
the age of 59 ½. Time Account Information: Your account
will mature in the term chosen at the time of purchase. If you
withdraw any of the principal before the maturity date, we may
impose a penalty of: ORGINAL MATURITY LESS THAN ONE YEAR –a
penalty of three months’ interest will be charged to your
account. ORIGINAL MATURITY OF ONE YEAR THROUGH TWO YEARS – a
penalty of six months’ interest will be charged to your
account. ORIGINAL MATURITY LONGER THAN TWO YEARS – a penalty of
one years’ interest will be charged to your account. If you
choose to redeem the certificate during the ten day grace
period, you will not be paid interest from the maturity date to
the date of redemption. This account will automatically renew.
You will have 10 calendar days after the maturity date to
withdraw funds without penalty. If you do not withdraw the
funds, each renewal term will be for the period of time as
disclosed in your Account Agreement. |
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Health Savings Accounts
|
Health Savings Account - Checking |
Minimum to open: $50
Minimum Balance without
a fee:
$2,500 |
This account is available to qualified individuals who are in a
high-deductible health plan. The contribution is tax-deductible
and can be used to pay qualified medical expenses. 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 at
any time. Interest begins to accrue no later than the business
day we receive credit for the deposit of noncash items (for
example, checks). Interest will be compounded monthly and will
be credited to the account 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. You must maintain a minimum
balance of $2,500.00 in the account each day to obtain the
disclosed annual percentage yield. Limitations: You must
deposit $50.00 to open this account. Account Fees:
There is a initial set up fee of $25.00. The monthly minimum
balance fee if the daily balance drops below $2,500 is $2.00. A
$25.00 fee will be assessed for each HSA transfer to another
institution. |
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Trust Services
First National
Bank in Carlyle Trust Department is committed to its clients to provide
quality services with a personal touch. The Trust Department acts as
Trustee for Testamentary Trusts, Trusts Under Agreement, Self-Directed
IRAs, Charitable Trusts and Land Trusts. The Trust Department also acts
as Guardian of Guardianships and Conservatorships as well as Executor of
Last Will and Testaments. It is our policy to be discrete and
professional in handling financial matters in addition to giving our
clients a sense of security and a comfort level in working with our
personnel.
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Safe
Deposit Boxes
|
Box Size |
Annual Fee |
|
3 x 5 |
$20.00 |
|
3 x 10 |
$25.00 |
|
5 x 10 |
$40.00 |
|
10 x 10 |
$60.00 |
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Debit/ATM
Cards
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Wire Transfers
|
$25.00 |
Domestic
(within the USA) Wire Fee |
|
$45.00 |
International Wire Fee |
|
$10.00 |
Incoming
Wire Fee (Non-Customers) |
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Telephone
Banking
Toll
Free Phone Number: 1-877-594-4335
Local Phone Number: (618) 594-4335 |
- 24-Hour Banking Convenience
- Loan Payments
- Private, easy and convenient banking
from your touch tone telephone
|
|
Be prepared to enter your Security Code, if you do not have a
Security Code, please contact one of our customer service
representatives at any of our three locations. |
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Cash Management
Remote Deposit
Internet Banking/Bill Pay
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