Checking

The Bank Account

• Unlimited check writing privileges.
• Statement and imaged items returned on a monthly basis.
• FREE - Telephone banking (24 hours) 824-5860 or 1-888-856-0033.
• FREE - Initial ATM/Mastermoney Debit Card (certain restrictions may apply).
• No fee if your lowest average balance during the cycle is $700.00 and above.
• $7.70 minimum balance fee if the average balance drops below $700 during the cycle.
• $1.00 required for opening balance.
• No service charge for age 50 and over.
• No service charge for full time student status.
• Special status accounts qualify for 50% service charge discount. (Ask for qualifications).
• $5.00 for replacement ATM/Mastermoney card.

The Bank NOW Account

• Unlimited check writing privileges.
• Statement and imaged items returned on a monthly basis.
• FREE - Telephone banking (24 hours) 824-5860 or 1-888-856-0033.
• FREE - Initial ATM/Mastermoney debit card (certain restrictions may apply).
• No fee if your lowest average balance during the cycle is $3000.00 and above.
• Interest earned on balances of $1500.00 and above.
• $9.00 fee if the average balance drops below $3000.00 during cycle.
• $1.00 required for opening balance.
• $5.00 for replacement ATM/Mastermoney card.

The Bank Pinnacle Account

• Unlimited check writing privileges.
• Statement and imaged items returned on a monthly basis.
• FREE - Telephone banking (24 hours) 824-5860 or 1-888-856-0033.
• FREE - Initial ATM/Mastermoney debit card (certain restrictions may apply).
• No fee if your lowest average balance during cycle is $15000.00 and above.
• $15.00 fee if your average balance drops below $15000.00 during cycle.
• Interest earned on balances of $15000.00 and above.

And - the following services at no charge:

• Personalized checks (800 per year)
• Cashier's checks
• Fax service (excluding toll)
• Stop Payments
• Notary Service
• Special Item Collection
• Safe Deposit Box discount of 20%
• 25 basis points per annum premium on Certificates of Deposit (.25%)
• Interest on Certificate of Deposit paid monthly to the account of your choice
• Special Pinnacle Account ID card
• Local wire transfer

The Bank Investment Account

• Statement and imaged items returned on a monthly basis.
• FREE - Telephone banking (24 hours) 824-5860 or 1-888-856-0033.
• Limit of six pre-authorized transactions per statement cycle, with no more than three checks in payment to third parties, as regulated by law.
• $10.00 fee if your average balance drops below $5000.00 during the cycle.
• Interest earned on balances of $5000.00 and above.
• $1.00 required for opening balance.
• Personal wallet corporate image checks at no charge.

Automatic Teller Machines

The Bank Card ATM/Mastermoney Debit Card
(Consumer & Sole Proprietorships)

You can perform regular banking 24 hours a day, 7 days a week with The Bank Card. Make deposits, withdraw cash, transfer funds, check balances as well as make purchases with merchants that recognize the Mastercard logo. The Bank Card also has access to Cirrus, Plus, Pulse and Mastercard networks.

No charge to The Bank customers at proprietary ATM locations. Non-customers will be assessed a $2.00 charge per withdrawal. Initial card issued at no charge with approval. Replacement cards are $5.00 each.
ATM locations are:

1304 Cutting Avenue - Jennings
114 N. Thomson Ave. - Iowa
413 St. Joseph Ave - Iota

For lost or stolen cards call (800)500-1044

Other Services

Credit Cards (Consumer & Business):
Applications are available at any of our full service locations
Merchant setup is available for both manual and electronic acceptance.

Overdraft Protection:
Sweep from designated account to cover overdraft at no charge in $100
transfer increments.

Loan for overdraft protection (subject to credit approval):
$18.00 annual fee
$50.00 minimum payment to outstanding balance
18.00% APR

Other Fees

NSF/OD
$22.50 per item, with a $6.00 per day charge after the 5th business day until account has positive balance.

Account reconciliation
Infrequent use: No charge
Frequent use: $25.00 per hour

Imaged documents: $1.50 per item

Fax service: $1.00 per copy plus phone toll

Night Depository Bag: $15.00 per bag

Stop payment
1 per month at no charge; $15.00 per thereafter

Notary service
The Bank customers: No charge with prepared documents
Non-customers: $5.00 per signature
Document preparation additional

Research items: $25.00 per hour

Wire transfer
The Bank customers: $10.00
Outside USA: $45.00

Return items
Five (5) per month, no charge
Thereafter, $5.00 per item

Statement copy: $1.00 per page

Cashier's checks
Active The Bank checking account customer: One (1) per month, no charge. Thereafter, $5.00 per check.
Non-customer: $5.00 per check

Customer definition: A customer of The Bank is an individual, partnership,
proprietorship, corporation or LLC that has maintained an active demand
deposit account for a period of one year. The average collected minimum
balance should be equal to $700 or greater.