Alma Exchange Bank & Trust offers the following
deposit accounts:

ATTENTION!!!

Effective December 10, 2008, Alma Exchange Bank & Trust is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

For more information see Wayne Hall.

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

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 required
• Interest compounded monthly

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

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

CHRISTMAS CLUB

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

CDs

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

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.