Deposits

Deposit types offered:

• Regular Demand Deposit Accounts
• NOW Accounts
• Super NOW Accounts
• Money Market Deposit Accounts
• Savings Accounts
• Certificates of Deposit

Charges that may apply include:

• Overdraft fee per item   $15.00
• Continuous Overdraft fee (charged every 5th day overdrawn)  $15.00
• Returned Check fee per item  $20.00
• Collection Item fee per item  $10.00
• Stop Payment fee per item  $10.00
• Wire Transfer fee per item  $15.00

Account research and Account Balancing Assistance  $15.00 per hour and $1.00 per microfilm copy.

ADVANTAGE/CheckCard ATM access card also available to customers.

Safe Deposit Box

Box rent   $5.00 or $10.00 per year

Loans

Loan types offered:

Agricultural Real Estate and Agricultural Operating
Residential Real Estate (purchase, refinance, home improvement)
Business Real Estate and Business Operating
Consumer Loans (auto, recreational equipment, personal expenses, etc.)
Mobile Home or Modular Home Loans
Student Loans
Governmental Units (for local development projects) and Government Insured

Privately-Insured Education Loans

The Bank, in conjunction with it’s wholly owned subsidiary, Richland Loan Processing Center (“RLPC”) underwrites and originates privately insured student loans.