SELECT THE CHECKING ACCOUNT THAT FITS YOUR LIFESTYLE

Free Checking
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Health Savings Account
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Prestige Checking
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Super NOW Checking Account
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Heritage Checking
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Available Financial Counseling

Free Checking
Simple & convenient

w  E-Statement only account.
w  FREE Mobile Banking.
w  FREE Online Banking Access.
w  Online Bill Pay Available.
w  CheckMate Debit Card Available.
w  FREE Financial Planning Review.

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

Health Savings Account
Are you eligible for HSA?

Any individual that:  
w  Is covered by an HDHP (High Deductible Health Plan).
w  Is not covered by other health insurance.
w  Is not enrolled in Medicare.
w  Can't be claimed as a dependent on someone else's tax return.
w  E-Statement/paper statement account.

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.
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.
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)

Prestige Checking
Cash Rewards Program
Identity Theft Insurance

w  E-Statement/paper statement account.
w  Savers Club Discount Book.
w  Payment Card Protection.
w  Cash Rewards Program
w  Card Patrol.
w  $2,500 ID Theft Insurance w/ Fraud Assist.
w  FREE Mound City Bank printed checks.
w  FREE CheckMate debit card with no monthly fee.
w  FREE Debit Alerts.
w  FREE Mobile Banking.
w  FREE Online Banking Access.
w  FREE Online Bill Payments.
w  Money Orders - No Issue Fee.
w  FREE First Year Rental of a Safe Deposit Box.
w  FREE Financial Planning Review.

Minimum balance to open - You must deposit $25.00 to open this account.
w  Accidental Death and Dismemberment/Identity Theft Insurance:
Choose your level of insurance -
  Plan 1 - Basic Plan of $10,000.00*
  Plan 2 - Family Plan of $30,000.00*
*  Refer to brochure and insurance certificate for additional information regarding insurance coverage and club benefits.
Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S.
Maintenance fee - A monthly maintenance fee of $8.00 for Plan 1; or $10.00 for Plan 2, will be charged each statement cycle.

Super NOW Checking Account
Earn interest with convenient check writing

w  E-Statement/Paper Statement Account.
w  FREE Mobile Banking.
w  FREE Online Banking Access.
w  Online Bill Pay Available.
w  CheckMate Debit Card Available.
w  FREE Financial Planning Review.

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  - You must deposit $25.00 to open this account.
Maintenance fee - A monthly maintenance fee of $10.00 with E-Statement only; OR monthly maintenance fee of $12.00 with paper statement will be imposed each statement cycle if the daily balance falls below $1,000.00, unless you maintain $5,000.00 in a single Money Market, 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 Checking
Customers 62 or better

w  E-Statement/paper statement account.
w  FREE CheckMate debit card with no monthly fee.
w  FREE Mobile Banking.
w  FREE Online Banking Access.
w  FREE Online Bill payments.
w  FREE Mound City Bank Printed Checks.
w  FREE Photocopy/Facsimile Services.
w  FREE First Year Rental of a Safe Deposit Box.
w  Money Orders - No Issue Fee.
w  Local Merchant Discounts.
w  Monthly Newsletter and Other Heritage Club Benefits.
w  FREE Financial Planning Review.

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  - You must deposit $25.00 to open this account.
Maintenance fee - A monthly maintenance fee of $10.00 with E-Statement; OR monthly maintenance fee of $12.00 with paper statement will be imposed each statement cycle if the daily balance falls below $1,000.00, unless you maintain $10,000.00 in a single Money Market, 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)

Available Financial Counseling
The Federal Trade Commission's (FTC) Choosing a Credit Counselor may be one resource to help you choose a qualtiy credit counseling partner. The FTC resource mentioned is found at:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm

Other resources include:

Women's Institute for Financial Education
http://www.wife.org

National Endowment for Financial Education
http://www.nefe.org

FDIC's "Money Smart" Program
http://www.fdic.gov/consumers/consumer/moneysmart/
(It has a module on maintaining a checking account and avoiding overdrafts.