Lost or stolen
Instant Cash/Debit card?
Call 1-800-523-4175
to report your lost or stolen card to
Instant Cash.
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FRAUD ALERT PHISHING NOTICE:
The First State Bank
of St. Joseph
will never send you an email asking to verify, update or confirm your
bank account information.
If you receive an email asking for this please
contact us
immediately.
Member FDIC
| |
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
|
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.
|
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* |
| .30% |
.30% |
|
*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 |
| 2.15% |
2.17% |
$250,000. and up |
| 1.80% |
1.81% |
$100,000.00 - $249,999.99 |
| 1.30% |
1.31% |
$25,000.00 - $99,999.99 |
| 1.05% |
1.06% |
$ 5,000.00 - $24,999.99 |
| .80% |
.80% |
$2,500.00 - $4,999.99 |
| .40% |
.40% |
up to $2,499.99 |
|
*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* |
| .30% |
.30% |
|
*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
|
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.
|
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* |
| .30% |
.30% |
|
*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 May 28, 2008.
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