| |
|
|
|
|
|
|
$100.00 |
None |
2.00% APY** for balances under $25,000.00 |
$1,000.00*** |
Yes |
|
$100.00 |
None |
No**** |
$500.00*** |
No |
|
$25,000.00
|
None |
YES |
$1,000.00*** |
Yes |
|
$100.00 |
None |
No |
$500.00*** |
No |
|
$100.00 |
None with
min bal.
of
$100.00 |
Yes with
collected
balance of $500.00 |
$1,000.00*** |
Yes |
|
$100.00 |
$4.00
/mo |
Yes |
$1,000.00*** |
Yes |
|
$100.00 |
None with
min bal.
of
$500.00 |
Yes with
collected
balance of $500.00 |
$1,000.00*** |
Yes
(service
charge
reduced
$2.00 if no images) |
|
$1,000.00 |
None with
min bal.
of
$1,000.00 |
Tiered |
N/A |
Yes |
Transaction Account Guarantee Program Disclosure
After December 31, 2009, funds held in non-interest bearing transaction accounts will no longer be guaranteed in full under the Transactions Account Guarantee program, but will be insured up to $250,000 under the FDIC's genereal deposit insurance rules.
*Powered by Banc Vue.
**2.00% Annual Percentage Yield (APY) paid on balances between one penny and $25,000.00, and 1.25%APY paid on all amounts above $25,000.00 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10%APY. Rates are as of March 11, 2009. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available for Personal Accounts only. See a New Accounts Representative for complete details.
***Overdraft Privilege is an overdraft service requiring no action on your part. You do not have to sign anything. The “Overdraft Privilege” limit may be accessed through a teller, writing a check, ATM withdrawal, Visa Check Card, ACH debit and Online Banking. If you are a new, active account holder you may be able to use the privilege 30 days after your account is opened. You will receive a letter when your overdraft privilege is activated. There is no additional cost associated with the privilege unless you use it. You will be charged our standard NSF fee of $30.00 for each item presented for payment when there are not sufficient funds in your account. If your account is overdrawn it should be brought to a positive end-of-day balance within 30 days. If, after a period of time, your account has not been brought to a positive end-of-day balance, we may suspend your account and take other steps to recover the funds. Overdraft Privilege is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or business use. Lyon County State Bank reserves the right to limit participation, to refuse payment of items into overdraft and to discontinue this service without prior notice. Customers may elect to have this service removed from their account.
See a New Account representative for complete details and disclosures.
**** Customers will receive iTune credits and ATM fee refunds if qualifications are met. See a New Account Representative for complete details.
To help the government fight the funding of terrorism and money laudering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. we may also ask to see your driver's license or other identifying documents.
Enjoy the convenience of 24-hour cash access and debit card point of sale transactions with our Lyon County State Bank Visa Check Card. There are no annual fees and no ATM fees when you use your card at one of our 5 ATM locations in Emporia. Avoid the hassles when writing a check - simply use your Visa Check Card instead.
Fixed Rate Certificates of Deposit and IRA's are available for terms of 3 months to 60 months, $500.00 minimum deposit. Simple interest is paid by check, credited to another account, or compounded to the certificate. Variable rate IRA’s are available only for terms of 18 months. These certificates may automatically renew at the rate in effect on the renewal date.
PLEASE NOTE THERE ARE SUBSTANTIAL PENALTIES FOR EARLY WITHDRAWAL.
At Lyon County State Bank we offer the loan that will fit your need whether you’re starting a business, buying your home, or buying a car, call or come by one of our locations and talk to one of our experienced lending officers today!
We offer:
- Consumer Loans
- Home Improvement Loans
- Equity Lines (Fixed and Variable)
- Home Loans (Fixed and Variable)
- Agricultural Loans
- Commercial Loans (Real Estate, Equipment and Operating)
- Small Business Administration Guaranteed Loans (SBA)
- Construction Loans (Commercial and Residential)
All loan applications are subject to approval.
Our locations at 1202 Industrial, and our Main Bank at 902 Merchant have the security you need with safe deposit boxes. Boxes range in size from 3x5 to 10x10. Please call for availability and pricing.
ADVANTAGE TRUST COMPANY
www.advantagetrustco.com
Advantage Trust Company is not owned or operated by Lyon County State Bank.
|
