Regular Personal Checking
Accounts
| Minimum opening deposit |
$100.00 |
| Minimum Ledger Balance |
Charge |
| $ 1,000.00 or over |
No Charge |
| $ 999.00 to $500.00 |
$3.00 |
| $ 499.00 or less |
$6.00 |
- $0.15 per item will be charged
for checks or other debit items in excess of ten per
month.
- If the account maintains $1,000 minimum ledger balance, none
of the above charges apply.
No monthly maintenance fee or per check fee for Senior
Citizens (65 years of age) and disabled persons.
Non-interest bearing.
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Personal NOW Checking Accounts
Existing checking account can be converted.
Minimum opening deposit $1,000.
$1,000 minimum balance
Interest is earned on the entire collected balance, even if
balance falls below minimum.
Interest is paid monthly.
$8.00 monthly service charge if minimum balance is not maintained.
Personal Super NOW Checking Accounts
Existing checking account can be converted.
Minimum opening deposit $2,500.
$2,500 minimum balance.
Earns variable interest rate on the collected balance based on
change in posted index. Market rate interest earned on the
balance that is maintained above the minimum. Interest is earned
on the entire collected balance, even if the balance falls below
minimum. Interest paid monthly.
Unlimited checking
$15.00 monthly service charge if minimum balance is not maintained.
Statement Savings Accounts
Minimum opening deposit $200.00
Interest is compounded and paid quarterly.
Two withdrawals allowed per month without charge
Withdrawals of more than two (2) per month $ .50
each.
Maintenance charge of $2.00 per month on account balances of
less than $200.
The above charges do not apply to minor children, seventeen
and younger, of current bank customers.Premium Money Market Account
Interest and annual percentage yield tiers vary. Please refer to “Rates” tab for current interest rates.
- A new account must be opened.
- Minimum opening deposit $5,000.
- No monthly service charge with daily balance of $5,000 or more.
- $15 monthly service charge if balance falls below $5,000.
- Earns variable Money Market Interest Rate on the collected balance based on change in posted index.
- Six withdrawals per cycle.
- Unlimited withdrawals in person and teller assisted.
Personal Money Market Account
A new account must be opened.
Minimum opening deposit $2,500
$2,500 minimum balance.
Earns variable Money Market Interest Rate on the collected
balance based on change in posted index as long as the minimum
balance is maintained: if the minimum balance is not met, the
entire interest is forfeited for the month.
Six withdrawals per cycle.Unlimited withdrawals in person and teller assisted.
A charge of $1.00 for each check written in excess of
threeA charge of $3.00 for automatic or telephone
transfer in excess of three$15.00 monthly service charge if minimum balance is not maintained.
Personal Certificates of Deposit
| TERM |
MINIMUM TO OPEN |
INTEREST PAYMENTS |
EARLY WITHDRAWAL PENALTY |
GRACE PERIOD AT MATURITY |
| 91 DAY CD |
$2,500.00 |
Compound at maturity,
paid by check or deposit
|
1 month of interest
|
10 day grace
period at
maturity
|
| 182 DAY CD |
$2,500.00 |
Compound at maturity,
paid by check or deposit |
1 month of interest
|
10 day grace
period at
maturity
|
| 7 MONTH CD |
$10,000.00 |
Compound quarterly, paid by check or deposit
|
6 months of interest
|
10 day grace
period at
maturity
|
| 10 MONTH CD |
$10,000.00 |
Compound quarterly, paid by check or deposit
|
6 months of interest
|
10 day grace
period at
maturity
|
| 12 MONTH CD |
$1,000.00 |
Compound quarterly or semi-annually, pay by check,
deposit into checking or
savings account as often
as monthly
|
1 month of interest
|
10 day grace
period at
maturity
|
| 18 MONTH CD |
$1,000.00 |
Compound quarterly or semi-
annually, pay by check,
deposit into checking or
savings account as
often as monthly
|
3 months of interest
|
10 day grace
period at
maturity
|
| 30 MONTH CD |
$1000.00 |
Compound quarterly or semi-
annually, pay by check,
deposit into checking or
savings account as often
as monthly
|
3 months of interest
|
10 day grace
period at
maturity
|
| 36 MONTH CD |
$1,000.00 |
Compound quarterly or semi-
annually, pay by check,
deposit into checking or
savings account as
often as monthly
|
3 months of interest
|
10 day grace
period at
maturity
|
Personal Loans
Three convenient locations to serve you:
Miami, OK
2 South Main Street
(918)542-6661 |
Miami, OK
2200 N. Main Street
(918)542-6661 x 265 |
Afton, OK
1 SW 1st Street
(918)257-4242 |
We offer a variety of loans for all your needs:
Personal Loans
Purchase or refinance a new or used auto
Purchase a boat, motorcycle or recreational vehicle
Home improvements
Debt consolidation, medical bills, vacation, other expenses
Secured by your Certificate of Deposit for any reason (does
not include IRAs)Line of Credit
We can transfer funds from your Security Bank and Trust Company, or
any other bank or credit union, checking or savings account to
automatically make your loan payment.
We offer competitive rates and terms. Call or stop by to talk to
one of our experienced lenders.
Other Services
| Account Research |
|
| Per Hour |
$15.00 |
| Per Statement |
$1.00 |
| Per Item |
$0.50 |
| |
|
| ATM Card Replacement |
1st Free
then $5.00 per card |
| Balance Inquiries |
|
| Customer Service |
4 free per month
2.00 additional |
| Cashiers Checks |
|
| Customer |
$3.00 |
| Non-Customer |
$6.00 |
| |
|
| Checkbook Reconciliation |
$15.00 per hour
(one hour minimum) |
| |
|
| Collections |
|
| Incoming-Customer |
$12.00 |
| Outgoing-Customer |
$12.00 |
| |
|
| Copies of Paid Checks |
$2.00 per copy |
| |
|
| Fax Service |
|
| Local |
$2.00 per page |
| |
|
| Insufficient Funds Fee |
|
| Per Item |
$25.00 |
| Overdraft Interest |
18.00% |
| Money Orders |
|
| Customer |
$1.00 |
| Non-Customer |
$4.00 |
| |
|
| Night Depository Bags |
|
| Zipper Bags |
$4.00 |
| Locked Bags |
$20.00 |
| Locked Bags refunded upon return |
|
| |
|
| Safety Deposit Boxes* |
Per Year |
| 3x5 |
$10.00 |
| 3x10 |
$25.00 |
| 4x5 |
$15.00 |
|
4x10 |
$30.00 |
|
5x10 |
$35.00 |
|
10x10 |
$55.00 |
|
| Notary Service |
|
| Customer |
No Charge |
| Non-Customer |
$2.00 |
| |
|
| Processing Garnishments |
$25.00 |
| |
|
| Statements |
|
| Regular Monthly statement |
No Charge |
| Duplicate monthly statement |
$10.00 |
| Special cut-off statement |
Regular Service Charge |
| |
|
| Stop Payments |
$15.00 |
| |
|
| Transfers |
|
| Telephone |
4 free per month and |
| |
$1.00 additional |
| |
|
| Traveler's Cheques for One |
1.00% |
| Traveler's Cheques for Two |
2.00% |
| |
|
| Wire Transfers |
|
| Incoming |
|
| Customer |
No Charge |
| Non-Customer |
$20.00 |
| Outgoing |
|
| Customer |
$13.00 |
| Non-Customer-CASH ONLY |
$30.00 |
| International |
|
| Customer |
|
| U.S. Dollar |
$50.00 |
| Foreign Dollar |
$35.00 |
| Non-Customer CASH ONLY |
|
| U.S. Dollar |
$60.00 |
| Foreign Dollar |
$45.00 |
|
*10% discount for automatic debit to customer's checking or
savings.
Additional Costs: When two (2) keys are issued to renter and if
one or both are lost,
there is a $100.00 minimum charge to drill box and change lock.
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