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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 |
|
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|
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|
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*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.
Aloys & Ann Christ Scholarship Application (Carlyle High School)
Goldsmith-Fielder Scholarship Application (Carlyle H.S/Central
H.S./Mater Dei H.S)
Otto H.
Bender Scholarship Application (Carlyle High School)
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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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Cash Management
Remote Deposit
Internet Banking/Bill Pay
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Telephone Banking
| Toll Free Phone
Number: (877) 594-4335 |
| Local Phone Number:
(618) 594-4355 |
- 24 Hour Banking
Convenience
|
|
|
- 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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