Products & Services - Checking Accounts

First Rewards Checking

• Minimum initial deposit - $100
• No minimum balance
• Unlimited check writing
• First Rewards checks provided free (1 order per year)
• Membership fee - $5 per month
• Many additional benefits - ask for details

Regular Checking

• Minimum initial deposit - $100
• Maintenance fee per statement cycle based on minimum daily balance
• $500 balance and over - no fee
• $100 - $499.99 balance - $3 per month + 12¢ per debit
• $0 - $99.99 balance - $4 per month + 12¢ per debit

Basic Checking

• For persons age 65 and over
• Minimum initial deposit - $100
• Maintenance fee per statement cycle
• First 10 debits - free; 20¢ per debit thereafter

Super NOW

• Maintenance fee is based on average daily collected balance during statement cycle
• $2,500 or more - no fee
• Below $2,500 - $10
• If Main Street account, membership fee applies in addition to above fees.

NOW

• Maintenance fee is based on average daily collected balance during statement cycle
• $1,000 or more - no fee
• Below $1,000 - $10
• First 25 debits - no fee, additional debits 12¢ each
  If Main Street account, membership fee applies in addition to above fees.

Money Market

• Minimum initial deposit - $2,500
• Maintenance fee per statement cycle is based on minimum daily balance
• $2,500 or more - no fee
• Below $2,500 - $10

INTEREST - Super Now, Now, and Main Street Interest Accounts

Interest is compounded the last day of monthly statement cycle. Interest rate and Annual Percentage Yield are subject to change weekly. Interest is based on the average daily collected balance during the statement cycle. The average daily collected balance is obtained by adding the collected principal in the account for each date of the statement cycle and dividing that figure by the number of days in the period. If average daily collected balance falls below minimum, interest rate and Annual Percentage Yield are reduced to zero. We reserve the right to require 7 days notice prior to withdrawal.

INTEREST - Money Market Account

Interest is calculated on the daily collected balance method. This method applies a daily periodic rate to the collected principal in the account each day. You must maintain a minimum balance of $2,500 in the account each day to receive the disclosed Annual Percentage Yield. Interest is compounded the last day of the monthly statement cycle. Interest and Annual Percentage Yield for your account will depend upon the applicable rate tier. Interest rate and Annual Percentage Yield are subject to change weekly.

WITHDRAWALS - Money Market Account

The combined total of withdrawals you make during a statement cycle by telephone transfers, preauthorized transfers or checks to third parties is limited to six, and no more then three of these six may be by check. The account will be charged $2 for each withdrawal in excess of six during a statement cycle. You may make unlimited withdrawals in person or by mail.

Disclosure of Bank Charges Fees and Interest Calculations

Electronic Funds Transfer Disclosure

For information on how to have your paycheck directly deposited to your account, see Other Services.

For more information, you can call the following people: Jeanette Ford at 217-659-7776, Melissa White at 217-357-3112, Wendy Swank at 309-837-3935, Kim Taylor at 217-847-6675, Gina DeSpain at 309-652-3122, Blake Rappenecker at 309-734-9446. Or simply send us an e-mail, (Please regard e-mail as a postcard that may be seen by others - send no confidential information.) and we will get back with you!