Basic Checking

Now Account

Special Now
Account

Interest DDA

Money Market

Amount to Open

$50

$100

$100

$1,000

$1,000

Minimum Balance to Avoid Service Charge

None

$100

None

$1,000

$1,000

Interest

n/a

$500 balance minimum to obtain interest

$100 balance
minimum to
obtain interest

$1,000 balance minimum to
obtain interest

$1,000 balance minimum to
obtain interest

Monthly Service Charge

n/a

$5 if balance falls below $100

n/a

$5 if balance falls below $1,000

$5 if balance falls below $1,000

Statement

monthly

monthly

monthly

monthly

monthly

Phone Banking

free

free

free

free

free

Debit / ATM Cards

Available

Available

Available

Available

n/a

Limitations

 

 

Available if you have direct deposit, are a full-time student, or a senior citizen age 62 or older

 

Limited to 6 transactions per month with no more than 6 by check

 

Basic Checking

  • $50.00 minimum to open
  • No minimum daily balance
  • Unlimited check writing
  • Debit / ATM Card

Now Account

  • $100.00 minimum to open
  • Unlimited check writing
  • $100.00 minimum daily balance
  • Maintenance fee per cycle is $0.00 unless balance drops below minimum
  • If below minimum, fees are $5.00 every statement cycle
  • Debit / ATM Card
  • Minimum balance of $500.00 must be maintained to obtain the disclosed APY

Special Now Account

  • Available to full-time students, senior citizens age 62 and over, and individuals having Direct Deposit
  • $100.00 minimum to earn interest
  • Unlimited check writing
  • No minimum balance fee

Interest DDA

  • $1000.00 minimum to open
  • $1000.00 minimum daily balance
  • Minimum balance of $1000.00 must be maintained to obtain the disclosed APY
  • Maintenance fee per cycle is $0.00 unless balance drops below minimum
  • If below minimum, fees are $5.00 every statement cycle
  • Unlimited Check writing

Money Market Account

  • $1,000.00 minimum to open
  • Maintenance fee per cycle is $0.00 unless balance drops below minimum
  • If below minimum, fees are $5.00 every statement cycle
  • Limited to 6 transactions per month

Deposit Account Disclosures

*If you close your account before interest is credited, you will not receive the accrued interest.
*Your interest rate and APY may change at our discretion at any time.
*Interest begins to accrue on the first business day after the banking day you deposit non-cash items.
*Interest is compounded daily and credited the last day of each statement cycle.

Paris First • 600 E. Jasper Street, Paris, IL 61944 • Ph: 217.465.6360 • Fax: 217.465.4088
   

Member FDIC

STATE BANK OF CHRISMAN

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
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