PERSONAL BANKING SERVICES

Newcomers are important to us.

If you are moving to the Douglas or Piatt County, Illinois area, we welcome you. You owe it to yourself to check with us first for all of your financial needs.

If you are already a resident, your business is important to us, as well. If you would like a strong locally-owned and locally-managed bank that will provide the type of personal service you have the right to expect, then we invite you to come in and check us out. We think you will be glad you did. One of our stated goals is that our customers should be proud to refer to us as "My Bank!"

Our friendly & helpful Customer Service staff is ready to assist you with your banking needs. Just call us (217) 578-2221.

Our Personal Banking Services feature:

• Local mortgage servicing -- application, approval, closing, and all payments are handled here by our loan department
• Full-service bookkeeping department to answer your account questions
• First Voice telephone inquiry system to check on your accounts 24-hours a day, (800) 583-0076
• Longest lobby hours in the area, 9 a.m. - 5 p.m. and 9 to Noon on Saturdays
• Longest drive-thru hours in the area, 7 a.m. - 9 p.m. Monday-Saturday
• Visa Debit/ATM Check Cards
• Visa credit cards
• Express Checks -- printed right on our premises at low cost
• Exclusive Monticello Sages and Bement Bulldogs checks benefit area schools.
• Friendly staff to assist you with your banking

REGULAR CHECKING

• Unlimited check writing -- cancelled checks and deposit slips are returned with your monthly statement
• $100 minimum deposit to open your account
• No monthly service fee for maintaining a monthly balance of $500 or more
• No monthly service fee for customers age 55-plus
• No monthly service fee for automatic Direct Deposit of payroll, retirement or Social Security checks
• Modest Service Fees:
  

  If your balance falls below $500 on any day in the monthly statement cycle we will impose a monthly service charge of $6.00 once during the statement cycle.

STUDENT CHECKING (age 21 or under)

• $50.00 minimum deposit to open account
• Parent must bank at FSB Monticello and maintain a $1,000 deposit
  

Ask us about setting up automatic transfers to and from Savings and Money Market Accounts to make saving easy or to serve as protection against possible overdrafts in your checking account.

Revolving Credit overdraft protection is also available. Please inquire for full details.

NOW INTEREST CHECKING

• Unlimited check writing
• Cancelled checks and deposit slips returned in your monthly statement
• Interest rate is subject to change weekly
• $100 minimum deposit to open your account
  

  Balance of $500+:	NO SERVICE FEE
  Balance below $500	$10.00 service fee

SUPER NOW INTEREST CHECKING

• Interest rate is subject to change weekly
• $2,500 minimum deposit required to open your account
• 30 checks/debit transaction per month; unlimited deposits
• Modest service fees:
  

  Balance of $2,500+:	NO SERVICE FEE
  Balance below $2,500	$15.00 service fee
  Excess debit transaction fee of $0.15 per debit over 30 transactions

BUDGET CHECKING

• A basic account designed for those who write very few monthly checks
• $2.00 fee per month, plus $0.25 per debit transaction
• $25.00 minimum deposit required to open your account

CHRISTMAS CLUB

• A great way to set money aside for any special purpose each year!
• Fixed interest rate is guaranteed for the club year
• Interest will not compound. Interest will be paid annually, at the time your special Club check is mailed to you.

MONEY MARKET ACCOUNTS

Regular:

• $2,500 minimum balance required to open
• Interest rate subject to change weekly
• $10 service fee if the balance falls below $2,500 during the month
• Six transfers allowed per month, of which three may be made by check, draft, debit card or similar order by depositor and paid to third parties

VIP:

• $10,000 minimum balance required to open your account
• Rate subject to change weekly.
• Unlimited deposits may be made, however, only one withdrawal is allowed per statement period
• Withdrawals in excess of one per statement period are subject to a $30 service fee

CERTIFICATES OF DEPOSIT

Certificates of Deposit (CDs) are available in terms ranging from 7 days to 60 months. Interest rates and annual percentage yields (APYs) vary according to the term. Early withdrawal penalties apply.

IRA ACCOUNTS
Regular, ROTH, Education, and Self Directed Retirement Accounts

We offer a variety of IRA CDs in terms ranging from 18 months to 60 months. Interest rates annual percentage yields (APYs) vary with the term of the CD. Self directed IRAs are offered through our Trust Department with a broad selection of investment options available

SENIOR CITIZENS

• Free regular checking account for customers age 55-plus!
• Unlimited check writing, free checks, no service charge, no minimum balance to maintain, and a variety of other bank services at no cost
• One of First State Bank's many Senior Services

GOLDEN CIRCLE CLUB

• Free regular checking, free checks for age 55-plus!
• Unlimited check writing
• Special activities, including annual birthday parties, travel, seminars, free photocopies and a variety of other benefits
• Free to join; no annual fee
• Members simply maintain $5,000 or more on deposit in any combination of checking, savings, money market, or certificates of deposit accounts
• One of First State Bank's many Senior Services

CREDIT CARDS

FSB First Choice VISA

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