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Hours of Operation
St. Joseph Lobby:
Monday - Thursday
8:30 a.m. -
4:00 p.m.
Friday 8:30 a.m. -6:00 p.m.
Closed Saturday & Sunday
St. Joseph Drive Up:
Monday - Thursday
7:00 a.m. - 6:00 p.m.
Friday 7:00 a.m. - 7:00 p.m.
Saturday 8:00 a.m. - 12:00 noon
ATM OPEN 24/7
St. Stephen Lobby
Monday - Thursday
7:00 am - 4:00 pm
Friday 7:00 am - 6:00 pm
Currently no drive-up in
St. Stephen
WALK UP ATM OPEN 24/7
St. Cloud Lobby
Monday - Thursday
8:30 am - 4:00 pm
Friday 8:30 am - 6:00 pm
Saturday Closed
St. Cloud Drive-up Hours
Monday - Thursday
7:00 am - 6:00 pm
Friday 7:00 am - 7:00 pm
Saturday 8:00 am - 12 noon
ATM OPEN 24/7
Member FDIC
First State Bank
of St. Joseph
is participating in the
FDIC's Transaction Account
Guarantee program. Under
that program, through
June 30, 2010, all
non-interest bearing transaction accounts are fully guaranteed by the FDIC for
the entire amount in the account. Coverage under the Transaction Account
Guarantee Program is in addition to and separate from the coverage available
under the FDIC's general
$250,000
deposit insurance rules.
After June 30, 2010, funds
held in noninterest-bearing
transaction accounts at the
First State Bank
will no longer be guaranteed
in full under the
Transaction Account
Guarantee Program, but
will be insured up to
$250,000 under the FDIC's
general deposit rules.
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The First State Bank of St. Joseph has a checking account that will fit the
needs of all our customers including basic checking,
money market checking, a Golden
Account for our senior customers, and checking accounts for small or large
businesses. Plus, with our telephone banking you
can have access to your accounts 24 hours a day and 7 days a week. Call
363-8010.
Cent'sational Checking
 | Minimum Deposit To Open: $50.00 |
| Monthly Fee: None |
| ATM: $1.00 fee for each cash withdrawal when used over 4 times |
| Check Card: Free |
| Interest Rate: None |
| Check Safekeeping: Required
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Cent'sible Checking
| Minimum Deposit To Open: $50.00 |
| Monthly Fee: $3.00/month maintenance charge. $.20 for each check
written. Service charge credit of $1.00 per $100.00 of average monthly
balance. Fees could reduce earnings on the account. (No service charge for
seniors over 55 and church or service organizations) |
| ATM: $1.00 fee for each cash withdrawal when used over 4 times |
| Check Card: Free |
| Interest Rate: None |
| Check Safekeeping: Required-Image statement will be mailed at end
of statement cycle.
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Now Account
| Minimum Deposit To Open: $1,000.00 |
| Monthly Fee: $8.00 monthly maintenance fee if the daily balance
drops below $1,000.00 any day of the statement cycle. Fees could reduce earnings on the
account. |
| ATM: $1.00 fee for each cash withdrawal when used over 4 times |
| Check Card: Free |
| Interest Rate: Variable rate. Initial rate may change after
opening. |
| Check Safekeeping: Required-Image statement will be mailed at end
of statement cycle.
| Interest Rate |
Annual Percentage Yield* |
| .25% |
.25% |
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*Annual Percentage Yields are based on monthly compounding
Prime Time Account (Money Market Checking)
| Minimum Deposit To Open: $2,500.00 |
| Monthly Fee: $8.00 monthly maintenance fee if the daily balance
drops below $2,500.00 any day of the statement cycle. $5.00 per check fee
for every check written over 3 per statement cycle. Fees could reduce earnings on the
account |
| ATM: $1.00 each for each cash withdrawal when used over 4
times |
| Check Card: Not Available |
| Interest Rate: Variable Rate. |
| Check Safekeeping: Required-Image statement will be mailed at end
of statement cycle.
| Interest Rate |
A.P.Y.* |
Amount of money in account |
| 1.35% |
1.36% |
$250,000. and up |
| 1.10% |
1.11% |
$100,000.00 - $249,999.99 |
| .80% |
.80% |
$25,000.00 - $99,999.99 |
| .55% |
.55% |
$ 5,000.00 - $24,999.99 |
| .30% |
.30% |
$2,500.00 - $4,999.99 |
| .25% |
.25% |
up to $2,499.99 |
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*Annual
Percentage Yields are based on monthly compounding
Golden Checking (for customers age 55 and over)
| Minimum Deposit To Open: $50.00 |
| Monthly Fee: None |
| ATM: $1.00 each for each cash withdrawal when used over 4
times |
| Check Card: Free |
| Interest Rate: Variable rate. Initial rate may change after
opening. |
| Check Safekeeping: Required-Image statement will be mailed at end
of statement
| Interest Rate |
Annual Percentage Yield* |
| .25% |
.25% |
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*Annual Percentage Yields are based on monthly compounding
Business Checking Account
| Minimum Deposit To Open: $100.00 |
| Monthly Fee: $5.00 per month maintenance charge. $.20 for each
check paid. $.07 for each transit item deposited. Service charge credit of
$.50 per $100.00 of average monthly collected balance. Fees could reduce
earnings on the account. |
| ATM: Not Available |
| Check Card: Not Available |
| Interest Rate: None |
| Check Safekeeping: Required-Image statement will be mailed at end
of statement
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Small Business Account (Sole Proprietorship)
| Minimum Deposit To Open: $50.00 |
| Monthly Fee: $2.00 charge if more that 20 checks are written per
statement cycle. $.25 for every check written of 20 per statement cycle and
$.15 for each transit item over 50 per statement cycle (1st 50 are free). |
| ATM: $1.00 each for each cash withdrawal when used over 4
times |
| Check Card: Free |
| Interest Rate: None |
| Check Safekeeping: Required-Image statement will be mailed at end
of statement cycle.
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Business Now Account (Not available for corporations or partnerships)
| Minimum Deposit to Open: $1,000.00 |
| Monthly Fee: $8.00 monthly maintenance fee if the daily balance
drops below $1,000.00 any day of the statement cycle. $.07 for each transit item
deposited. Fees could reduce earnings on the account. |
| ATM: Not Available |
| Check Card: Not Available |
| Interest: Variable rate. Initial rate may change after opening. |
| Check Safekeeping: Required-Image statement will be mailed at end
of statement cycle.
| Interest Rate |
Annual Percentage Yield* |
| .25% |
.25% |
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*Annual Percentage Yields are based on monthly compounding.
All checking accounts receive monthly statements. We have converted to
check imaging which means that you will not receive your original checks back
with your statements.
Rates effective June 2, 2010.
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