A Tradition of Community Banking
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Hours of Operation
 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
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 | Minimum Deposit To Open: $100.00 | ||||
| Monthly Fee: $2.00* monthly maintenance fee if the daily balance drops below $100.00 any day of the month. Minors (under the age of 18 and seniors over 55) are exempt from the monthly service fees and minimum balance requirements on this account. $.25 per withdrawal over 3 per month. Fees could reduce earnings on the account. | ||||
| Statements: Quarterly (monthly if on a combined checking and savings statement) | ||||
| Interest: Variable rate. Initial rate may change after opening.
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| Minimum Deposit To Open: $50.00 | ||||
| Monthly Fee: $2.00* monthly maintenance fee if the average daily balance drops below $50.00 any day of the month. (The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.) $.25 per withdrawal over 3 per month. Fees could reduce earnings on the account. | ||||
| Statements: Quarterly (monthly if on a combined checking and savings statement) | ||||
| Interest: Variable rate. Initial rate may change after opening.
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| Minimum Deposit To Open: N/A |
| Monthly Fee: None |
| Interest: Variable Rate. Initial rate may change after opening |
| Certain rules apply for eligibility. See you tax/financial consultant for
details.
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| Minimum Deposit To Open: $50.00 | ||||
| Monthly Fee: None | ||||
| Statements: Annually | ||||
| Interest: Variable Rate. Initial rate may change after opening
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| Minimum Deposit To Open: $100.00 |
| Monthly Fee: $2.00 per month maintenance charge if the daily balance drops below $100.00 any day of the month. $.25 per withdrawal over 3 per month |
| Statements: Quarterly (monthly if on a combined checking and savings statement) |
| Interest: Variable Rate. Initial rate may change after opening |
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