Why we're different!Welcome to our website! With our online branch, you can read about available account options, get current rates, apply for a loan, and use our online banking to check your balance and pay bills. |
Choosing the right loan!
As your "Hometown Bank", we make the loan application process easier. All loan decisions made on site by our loan staff. No lengthy delays. |
| Free Checking | ||
| Rate Information | At our discretion, the interest rate and the annual percentage yield may change on your account at any time | |
| Interest Earned | Contact Customer Service Representative for rate information, 618-542-2111 Ext 105 or Ext 106 | |
| Account Benefits | Unlimited check writing, Free Online Banking, Free Bill Pay, 24-Hour Automated Telephone Banking, Free VISA Debit Card | |
| Interest Earned | No | |
| Monthly Service Fee | No | |
| Minimum Daily Balance Required | None | |
| Check Orders | First Check Order Free, Available Through Harland Clarke 1-877-275-4427 Click Here to Order Checks | |
| Overdraft Protection Available | Yes, See Customer Service Representative for Information, 618-542-2111 Ext 105 or Ext 106 | |
| Statement Options | Statement cycle last business day of each month. | |
| Other | Service Charge of $35.00 if account closed by customer within 180 days of opening date. 25% Discount 1st year rental of Safe Deposit Box /New rentals only, subject to availability | |
| Plus Checking | ||
| Account Benefits | Unlimited check writing, Free Online Banking, Free Bill Pay, 24-Hour Automated Telephone Banking, Free VISA Debit Card, Free Cashiers Checks and Money Orders, Free Travelers Checks, Free Notary Service, Free Photocopy Service, Free Incoming Wire Transfers, Secretary of State License Sticker Fee Waived | |
| Interest Earned | Yes, Contact Customer Service Representative for Interest Information 618-542-2111 Ext 105 or Ext 106 | |
| Monthly Service Fee | $8.00 if Daily Minimum Balance falls below $500.00 any day of month. | |
| Minimum Balance Requirements | $100.00 deposit required to open account. Must maintain a minimum balance of $1,000.00 each day to obtain the disclosed annual percentage yield | |
| Check Orders | First Check Order Free, Available Through Harland Clarke 1-877-275-4427 Click Here to Order Checks | |
| Overdraft Protection Available | Yes, See Customer Service Representative for Information, 618-542-2111 Ext 105 or Ext 106 | |
| Statement Options | Statement cycle last business day of each month. | |
| Other | Service Charge of $35.00 if account closed by customer within 180 days of opening date. 25% Discount 1st year rental of Safe Deposit Box /New rentals only, subject to availability | |
| Gold Key Plus | ||
| Account Benefits | Unlimited check writing, Free Online Banking, Free Bill Pay, 24-Hour Automated Telephone Banking, Free VISA Debit Card, Free Cashiers Checks and Money Orders, Free Travelers Checks, Free Notary Service, Free Photocopy Service, Free Incoming Wire Transfers, Secretary of State License Sticker Fee Waived | |
| Interest Earned | Yes, Contact Customer Service Representative for Interest Information 618-542-2111 Ext 105 or Ext 106 | |
| Monthly Service Fee | $6.00 charged each calendar month | |
| Minimum Balance Requirements | $100.00 required to open account | |
| Check Orders | First Check Order Free, Available Through Harland Clarke 1-877-275-4427 Click Here to Order Checks | |
| Overdraft Protection Available | Yes, See Customer Service Representative for Information, 618-542-2111 Ext 105 or Ext 106 | |
| Statement Options | Statement cycle last business day of each month. | |
| Other | Service charge of $35.00 if account closed by customer within 180 days of opening date. Accidental Death Insurance Benefit, Identity Theft Insurance, RX Advantage Prescription Program, Savers Club Book, Fraud Resolutions Services, Travel and Discounted Gift Cards, One Year Free Safe Deposit Box Rental/New rentals only, subject to availability. Click Here to Order Gold Key Plus Benefits | |
| Account Terms and Conditions | Electronic Transfers | Funds Availability |