Passbook Savings Disclosure

PASSBOOK SAVINGS
DISCLOSURE OF ACCOUNT TERMS
PASSBOOK SAVINGS

The minimum deposit to open this account is $100.00.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. You may inquire as to the current rate on your account by calling 573-392-3381 or 573-378-5464.

Interest will be compounded daily and credited to your account at the end of each calendar quarter. The annual percentage yield assumes interest remains on deposit. A withdrawal of the interest will reduce earnings.

We use the daily collected balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

You will receive a statement at the end of each calendar quarter. If your account has any electronic transaction activity, you will receive a statment each month that such transactions are posted.

Savings accounts are limited to 6 withdrawals per month for electronic transactions or any other withdrawals that you do not make in person at the bank. This limitation includes transactions such as ATM withdrawals, Internet transfers, Phone banking transfers, Direct bill payments, etc.

CHARGES THAT MAY APPLY
If daily balance drops below $100.00 anytime during the month: $3.00 per month.
Over 6 withdrawals a month(whether made in person, by ATM, or any other electronic withdrawal): $1.00 per withdrawal
Return Item Service $20.00 per item for electronic withdrawals
Overdraft Service $20.00 per in-person withdrawal, ATM withdrawal or any other electronic withdrawal against insufficient funds.
Stop Payment Charge: $ 20.00 per check
Account Monitoring: $25.00 per month
Money Order Fee : $ 2.00
Cashiers Check Fee: $ 4.00
Notary Public: Free
Incoming Wire: Free
Outgoing Wire Fee: $ 15.00
International Wire: $60.00
Collection Item Fee: $ 20.00 (or actual cost)
Canadian Check: $15.00
Special Statement Request: $ 2.00
Research Fee: $35.00 per hour
Garnishments or Levies: $25.00
ATM Card Replacement: $5.00
Cash Management: $5.00 per transfer

We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any member of our staff.




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		PASSBOOK SAVINGS DISCLOSURE OF ACCOUNT TERMS PASSBOOK SAVINGS The minimum deposit to open this account is $100.00. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. You may inquire as to the current rate on your account by calling 573-392-3381 or 573-378-5464. Interest will be compounded daily and credited to your account at the end of each calendar quarter. The annual percentage yield assumes interest remains on deposit. A withdrawal of the interest will reduce earnings. We use the daily collected balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). You will receive a statement at the end of each calendar quarter. If your account has any electronic transaction activity, you will receive a statment each month that such transactions are posted. Savings accounts are limited to 6 withdrawals per month for electronic transactions or any other withdrawals that you do not make in person at the bank. This limitation includes transactions such as ATM withdrawals, Internet transfers, Phone banking transfers, Direct bill payments, etc. CHARGES THAT MAY APPLY If daily balance drops below $100.00 anytime during the month: $3.00 per month. Over 6 withdrawals a month(whether made in person, by ATM, or any other electronic withdrawal): $1.00 per withdrawal Return Item Service $20.00 per item for electronic withdrawals Overdraft Service $20.00 per in-person withdrawal, ATM withdrawal or any other electronic withdrawal against insufficient funds. Stop Payment Charge: $ 20.00 per check Account Monitoring: $25.00 per month Money Order Fee : $ 2.00 Cashiers Check Fee: $ 4.00 Notary Public: Free Incoming Wire: Free Outgoing Wire Fee: $ 15.00 International Wire: $60.00 Collection Item Fee: $ 20.00 (or actual cost) Canadian Check: $15.00 Special Statement Request: $ 2.00 Research Fee: $35.00 per hour Garnishments or Levies: $25.00 ATM Card Replacement: $5.00 Cash Management: $5.00 per transfer We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any member of our staff.