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(The account descriptions are not intended to be complete disclosures of all account features and charges. To obtain a full disclosure, please contact us for a copy of the "Your Deposit Account" brochure.)
Below are Personal Accounts that we offer at First State Bank of Uvalde.
| |
To
Open Acct. |
Special
Features |
To
Avoid Service Charge |
Service
Charge |
Interest
Rates |
| Personal
Checking |
$100 |
Unlimited Check Writing
Image Statement
Free Standard Printed Checks
Free Internet Banking Access
Free Bill Pay Plus
Free Phonebank Access
Free ATM/Visa Debit Cards* (* Transaction Fees May Apply) |
$500 Minimum Daily Balance |
$8.00 when daily minimum balance is below $500 |
N/A |
Free Checking
Available to Individuals
And organizations for
A non-business purpose |
$100 |
Unlimited Check Writing
Free Internet Banking Access
Free Bill Pay Plus
Free Phonebank Access
Free ATM/Visa Debit Cards* (* Transaction Fees May Apply)
Monthly Statement (No Images) |
N/A |
No Monthly Acct.
Maintenance Fee |
N/A |
Direct Pay Account
Available to Individuals for a non-business purpose. |
No minimum |
Direct Deposit Required
Free ACH, POS & FSB
ATM Withdrawals
Image Statement
Free Internet Banking Access
Free Bill Pay Plus
Free Phonebank Access
Free ATM/Visa Debit Cards* (* Transaction Fees May Apply)
|
--- |
$3.00 |
N/A |
| Personal
NOW |
$100 |
Unlimited Check Writing
Image Statement
Free Standard Printed Checks
Free Internet Banking Access
Free Bill Pay Plus
Free Phonebank Access
Free ATM/Visa Debit Cards* (* Transaction Fees May Apply) |
$1,000 Minimum daily balance |
$10.00 when daily minimum balance is below $1,000 |
Available on request
|
| Personal Superfirst |
$100 |
Image Statement
Free Standard Printed Checks
Free Internet Banking Access
Free Phonebank Access
Free ATM Card* (* Transaction Fees May Apply)
Limited transaction account
Max of 6 preauthorized TF and
3 third party TF/monthly
Addl. - $5 each
|
$1,500 Minimum
Daily Balance |
$10 when daily minimum balance is below $1,500 |
Available
on request |
| Personal Savings |
$100 |
Interest Compounded Daily
Interest is paid on the daily balance
No quarterly Maintenance Fee if daily
Balance is $200 or more, otherwise $4.00
6 Free Withdrawals per quarter, then $2.00 each
|
$200 Minimum Daily Balance |
$4.00 when daily balance drops below $200 during quarter |
Available on request |
Young Savers
(Children under age of 18)
|
$25 |
Interest Compounded Daily
Interest is paid on the daily balance
No quarterly Maintenance Fee
6 Free Withdrawals per quarter, then $2.00 each
|
N/A |
None |
Available on request |
| Savings IRA |
$1,000 |
Variable interest rate IRA with a term of 18 months
Compounded Daily
Periodic additions allowed
Interest rate floats with the
Market |
N/A |
N/A |
Available
on request |
| CD-IRA |
$1,000 |
Fixed interest rate CD with a term of 18 or 30 months
Compounded daily |
N/A |
N/A |
Available on request |
| Certificates of Deposit |
$1,000 |
Maturities from 30 days to 30 months |
N/A |
N/A |
Available
on request |
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First State Bank offers competitive rates and terms on Certificates of Deposit. A Certificate of Deposit may be issued for $1,000 or more with a term extending from 30 days to 30 months. You may elect the automatic renewal option, adding safety and convenience to your decision to save. The certificate will be placed in our safekeeping vault and you will be given a safekeeping receipt and notified at each maturity. Simply give us a call with your renewal instructions. Interest accrues daily and is paid monthly, quarterly or at maturity. Interest may be paid to you by check, deposited to your checking or savings account, or added back to the CD to increase the principal.
First State Bank can customize your IRA needs. An IRA account can be opened with as little as a $1,000 deposit. Fixed interest rate IRA may be for 18 or 30 months. The term for a variable rate IRA is 18 months and deposits may be made to it at any time. Interest is compounded and paid quarterly to the IRA account. Withdrawals from an IRA can begin at age 59 ½ without an IRS penalty. Disbursements must begin at age 70 ½. Other restrictions apply. Let us help you begin saving for retirement today.
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