• Minimum balance to open the account - You must deposit $25.00 to open this account.
• Statement only account.
• OTHER SERVICES available.

• Check image statement.
• OTHER SERVICES available.

PAYDAY BANKING
FREE checking with employer direct deposit payroll

• Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
• Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
• Minimum balance to open/obtain the annual percentage yield disclosed - You must deposit $25.00 to open this account. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• Direct Deposit payroll from your employer is required. Contact us!
• Statement only.
• 40 FREE Mound City Bank printed checks at account opening.
• CHECKMATE debit card with bank approval - first year no annual fee.
• Personal Reserve Account available with bank approval with no annual fee.
• Check Protect with no annual fee.
• FREE first year rental of a 3" x 5" safe deposit box.

HSA CHECKING ACCOUNT
Who is eligible for Health Savings Accounts?

Any individual that:

 

- Is covered by an HDHP (High Deductible Health Plan).

- Is not covered by other health insurance.

- Is not enrolled in Medicare.

- Can't be claimed as a dependent on someone else's tax return.

• Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
• Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
• Minimum balance to open/obtain the annual percentage yield disclosed - You must deposit $25.00 to open this account. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on non-cash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)
• Check image statement.

BANCLUB CHECKING
Packaged to meet your busy lifestyle

• Minimum balance to open the account - You must deposit $25.00 to open this account.

Accidental Death and Dismemberment Insurance:
  Choose your level of insurance
    Plan 1 - Basic Plan of $10,000.00*
    Plan 2 - Family Plan of $30,000.00*

• Refer to Banclub brochure and insurance certificate for additional information regarding insurance coverage and club benefits.

Fees:
A monthly maintenance fee of $8.00 for Plan 1; or $10.00 for Plan 2, will be charged each statement cycle.

• Statement only account.
• Savers Club Discount Book.
• Credit Card Protection.
• Auto Trip Routing.
• FREE Mound City Bank printed checks.
• FREE CHECKMATE debit card with no annual fee.
• Money orders - no issue fee.
• $5.00 annual discount on safe deposit box rental.

SUPER NOW CHECKING
Earn interest with convenient check writing

• Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
• Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
• Minimum balance to open the account - You must deposit $25.00 to open this account.
• Maintenance fee - A monthly maintenance fee of $10.00 with statement only; OR monthly maintenance fee of $12.00 with check image will be assessed each statement cycle if the daily balance falls below $1,000.00, unless you maintain $5,000.00 in a single MMIA, savings, time deposit or IRA account for the entire statement cycle. Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.

Fees:
A service chargeable debit fee of $.10 will be charged for each customer initiated debit transaction (with the exception of ATM Withdrawals and Automatic Loan Payments). This fee will apply if your balance falls below the required minimum to avoid a fee.

• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• Heritage Club eligible for customers age 55 and over.
• OTHER SERVICES available.

MARKET ADVANTAGE CHECKING
Indexed, high yield, insured Money Market checking

• Rate Information - Your interest rate and annual percentage yield may change on the first business day of every month.
• Determination of rate - The interest rate on your account will be equal to the 90 day U.S. Treasury Bill discount rate as determined by the average of the last four auctions of the previous month on daily balances of $100,000.00 and over. The indexed rate is tiered for daily balances below $100.000.00.
• Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
• Minimum balance to open/obtain the annual percentage yield disclosed - You must deposit $10,000.00 to open this account. You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• FREE Mound City Bank printed checks.
• CHECKMATE debit card with no annual fee.
• $5 annual discount on safe deposit box rental.
• Money orders - no issue fee.
• Heritage Club eligible for customers age 55 and over.
• Statement only account.
• OTHER SERVICES available.

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.

Overdrafts paid	$27.00 per item paid, maximum $270.00 per day
NSF check returned	$27.00 per check
Account closed within 90 days of opening	$10.00
Account reconciliation/research	$20.00 per hour
Bank money order	$4.00
Cashiers check	$5.00
CD-ROM per monthly statement	$10.00
Certified check	$20.00
Check printing	fee depends on style of check
Collection item
Less than $1,000.00	$10.00
$1,000.00 and over	$20.00
Copy of paid check or other document	$2.00
Deposited check returned	$2.00
Endorsement stamp	$18.00
Facsimile service	per page - $1.00
International	$15.00
Foreign checks or drafts	$20.00
Foreign currency	per issue - $5.00 plus postage
Gift Card - per card	$2.50
Legal process
court orders, garnishments, tax levies	$35.00
Medallion/signature guarantee	$5.00
Night depository bags
With Lock
first bag	no charge
Each additional bag	$25.00
Zipper
first bag	no charge
Each additional bag	$5.00
Non-customer check cashing	$5.00
Check verification by phone	$5.00
Personal money order	$2.00
Photocopy	$.25
Post dated check notice	$25.00
Safe deposit box
Box size	Annual rent
3" x 5"	$20.00
5" x 5"	$30.00
3" x 11"	$35.00
5" x 11"	$40.00
8" x 10"	$55.00
10" x 10"	$75.00
Replacement key charge	$15.00
Cost of drilling box	$125.00
Special order statement	$5.00
Stop payment order	$25.00
Wire transfers
incoming	$15.00
Outgoing	$15.00
International - outgoing	$40.00

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

CHECK PROTECT
Prevents an overdraft with an automatic transfer from another Mound City Bank account

• Transfers the amount you would have been overdrawn and provides $5.00 to cover the transfer fee and a $5.00 balance to maintain your account. If sufficient funds are not maintained in your transfer account to cover the Check Protect transfer, the transfer will not take place.
• Annual fee of $12.00.
• Transfer fee of $5.00.
  • Limit six transfers per statement cycle from a savings or a Money Market Investment Account (MMIA).