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Deposit Accounts

Alma Exchange Bank & Trust offers the following
deposit accounts:

 

ATTENTION!!!

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

 

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about temporary FDIC Insurance coverage of transaction accounts, visit www.fdic.gov.

 

REGULAR CHECKING

  • Detailed monthly statement with images of checks and deposits
  • Direct deposit available
  • ATM/Debit card available
  • Telephone Banking Service available 24 hours
  • $100.00 minimum opening deposit
  • Automatic transfers
  • Service charge depends on lowest balance and number of
    checks written during statement period
  • Free checking for Senior Citizens age 62 and older
  • Free checking for fulltime students up to age 23
  • Non-interest bearing
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STAR CLUB

  • Detailed monthly statement with images of checks and deposits
  • Direct deposit available
  • ATM/Debit card available
  • Telephone Banking Service available 24 hours
  • $100.00 minimum opening deposit
  • Automatic transfers
  • No minimum balance required
  • Unlimited Checking
  • 5 free money orders per month
  • Minimum per month service charge for $10,000.00 24-Hour Accidental Death and
    Dismemberment Insurance
  • Minimum per month service charge for Family Plan 24 Hour Accidental Death and
    Dismemberment Insurance
  • Service charge one-half price for members 55 years of age & older
  • Non-interest bearing

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BUSINESS CHECKING

  • Detailed monthly statement with images of checks and deposits
  • Direct deposit available
  • ATM/Debit card available
  • Telephone Banking Service available 24 hours
  • $100.00 minimum opening deposit
  • Automatic transfers
  • Service charge depends on lowest balance and number of
    checks written during statement period
  • Non-interest bearing

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NOW ACCOUNT

  • Detailed monthly statement with images of checks and deposits
  • Direct deposit available
  • ATM/Debit card available
  • Telephone Banking Service available 24 hours
  • Automatic transfers
  • $1,200.00 Minimum opening deposit
  • $1,200.00 Minimum balance to avoid service charge
  • Interest compounded monthly
rule

HIFI MONEY MARKET

  • Detailed monthly statement with images of checks and deposits
  • Telephone Banking Service available 24 hours
  • Automatic transfers
  • ATM/Debit card available
  • Telephone Banking Service available 24 hours
  • Automatic transfers
  • $2,500.00 Minimum opening deposit
  • $2,500.00 Minimum balance to avoid service charge
  • Limited checking
  • Interest compounded monthly
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REGULAR SAVINGS ACCOUNT

  • Direct Deposit Available
  • Telephone Banking Service available 24 hours
  • Automatic transfers
  • Detailed quarterly statement
  • $100.00 minimum opening deposit
  • $1,000.00 minimum to avoid service charge
  • No service charge for anyone under 18 years of age
  • Interest compounded semi-annually
rule

CHRISTMAS CLUB

  • Earns regular savings account rate
  • Telephone Banking Service available 24 hours
  • No Service Charge
  • Interest paid when checks are issued annually
  • Early Closing Fee
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 CDs

  • Three (3) months
  • Six (6) months
  • 12 months
  • 24 months
  • 36 months
rule

IRAs

  • Three (3) months
  • Six (6) months
  • 12 months
  • 24 months
  • 36 months

IRAs compound quarterly. Anyone can open a traditional IRA that has compensation and has not reached 70 1/2 years of age. You can draw interest monthly, quarterly, semi-annually, annually, or let it capitalize in a CD yearly.

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