| Main Bank 618-594-2491 |
Carlyle 618-594-3741 |
Aviston 618-228-9100 |
Services
Checking Accounts
Account Type |
Minimum Balance |
Features |
| Equality Checking | None |
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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 and free Internet Banking. 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 non-cash 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. |
| 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. |
Savings Accounts
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 non-cash 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 non-cash 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 |
Time Certificates
| CD RATES $1,000 Minimum Deposit* |
||
| Account | Interest Rate | APY |
| 12 Month CD | 0.24% | 0.24% |
| 30 Month CD | 0.42% | 0.42% |
| 60 Month CD | 1.42% | 1.43% |
| APY is accurate as of April 5, 2013 | ||
*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.
* A substantial penalty is imposed for an early withdraw.
| 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. Interest will be credited by having your interest added to your certificate each quarter (compound) or by having your interest deposited to a First National Bank in Carlyle checking, savings or money market account. 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 $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. |
Individual Retirement Accounts
IRA Account Type |
Opening Deposit |
Features |
|
IRA 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. |
| 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. |
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. |
Trust Service
| First National Bank in Carlyle Trust Department
is committed to its clients to provide quality service 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 Testament. It is our policy to be discrete and
professional in handling financial matters in addition to giving our
clients a sense of security and 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) Florence and Joe Seiffert Memorial Scholarship Application (Carlyle H.S./Central H.S./Mater Dei H.S.) |
Safe Deposit Box
| Box Size | Annual Fee |
| 3 x 5 | $20.00 |
| 3 x 10 | $25.00 |
| 5 x 10 | $40.00 |
| 10 x 10 | $60.00 |
Debit/ATM Cards
Customize your debit card, click on the image below to learn more and get started.
For a lost or stolen debit card call (800) 383-8000 to stop all activity on
the card.
For blocked or invalid debit card transactions call (866) 508-5427.
We are pleased to offer bank branded credit cards through our partnership with Central Bank Trust. Whether you need a credit card for your own needs or the needs of your business, we have the card for you. To apply, simply click on the link below.
Wire Transfers
| $25.00 | Domestic ( within the USA) Wire Fee |
| $45.00 | International Wire Fee |
Cash
Management
Remote Deposit
Internet Banking / Bill Pay
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View Internet Banking Demo
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View Online Bill Pay Demo provided
by CheckFree
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Telephone Banking Toll Free Phone Number
Toll free Phone Number: (877) 594-4335
Local Phone Number: (618) 594-4335
- 24 Hour Banking Convenience
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Loan Payments
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Private, easy and convenient banking from your touch tone phone
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.