Deposit Services:

First National Bank of Steeleville has a full line of deposit products to meet your banking needs. For more information about our deposit products click on the area that interests you below.

CERTIFICATES OF DEPOSIT

Special CD Rates can be found on our Specials page.

Annual Percentage Yield as of April 8, 2008.

The following accounts have a required minimum balance of $1,000:

The following accounts have a required minimum balance of $500:

A penalty may be imposed for early withdrawal.

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CHECKING ACCOUNTS

FREE CHECKING - No fee basic checking. Open your account now with a low $50 minimum opening balance.

BONUS CLUB - Give yourself a Bonus and a Choice with our Bonus Club Checking Account. With just a $100 minimum balance we will waive the monthly fee. Should your balance drop below $100, an $8 monthly fee will be charged. You earn interest on the full balance of this account if you maintain a $1,000 minimum balance. Bonus club features unlimited checking, free first order of personalized checks, $5,000 accidental death insurance, credit card protection, key ring protection, Sojourns magazine, notary services, emergency cash advance services, and nationwide discount offers.

BONUS CLUB PLUS - Receive all the outstanding Bonus Club benefits plus these extras. No minimum balance required. Receive all your personally imprinted checks at no additional cost to you. 10,000 accidental death insurance, Buyers Advantage purchase replacement and extended warranty protection, travelers checks and official checks with no issue charge, preferred rates on new installment loans, first year free on a 3 x 5 safe deposit box, Traveler's Advantage travel planning services, photocopy services, and discounted mortgage closing costs. All of these benefits can be yours for a low monthly membership fee of $5.00.

BONUS CLUB 50 - Because you deserve more than ordinary checking. This free checking account offers interest on checking with no minimum balance, free personalized checks, $100,000 common carrier accidental death insurance, credit card protection, emergency cash advance services, travelers checks and official checks at no issue charge, key ring protection, Sojourns magazine, nationwide discount offers, and notary services. If you are age 50 or over, you can become a Bonus Club 50 account holder.

BONUS CLUB 50 PLUS - Enjoy these added priveledges over Bonus Club 50. 10,000 accidental death insurance, increased common carrier coverage to $150,000, Buyers Advantage purchase replacement and extended warranty protection, travelers checks and official checks with no issue charge, preferred rates on new installment loans, first year free on a 3 x 5 safe deposit box, Traveler's Advantage travel planning services, discounted mortgage closing costs, and a Medical Emergency Data Card. All of these benefits can be yours for a low monthly membership fee of $3.00. If you are age 50 or over, you can become a Bonus Club 50 Plus account holder.

NOW & SUPER NOW ACCOUNTS - Interest bearing checking account with no frills.

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SAVINGS ACCOUNTS

PASSBOOK SAVINGS - With a minimum balance of $1.00 this account compounds and credits interest quarterly on March 1, June 1, September 1, and December 1.

STATEMENT SAVINGS - Identical to passbook savings with the exceptions that statements are mailed monthly and ATM cards are available with this account.

MONEY MARKET RESERVE ACCOUNT - Earn interest based on the amount of your deposits while keeping your funds liquid. Ask us about our tiered money market reserve accounts for more information.

CHRISTMAS CLUB ACCOUNTS - Make your Christmas special by depositing a small amount in this account each week throughout the year. We will write you a check for the balance and interest on the account just in time for you to do your shopping.

INDIVIDUAL RETIREMENT SAVINGS - We offer a variety of products for retirement savings including IRA Savings Accounts and IRA Certificates of Deposit.

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