Charter National Bank and Trust

Deposits

Checking

Personal Free Checking

• No minimum balance after opening
• No Monthly Service Charge
• Unlimited check writing
• No per check charge
• Monthly account statement
• Safekeeping of imaged Checks
• No Annual Fee on Cash & Check Card*

Personal Premium Checking

• Maintain $5000.00  monthly average balance in any combination of checking, savings, certificates of deposits or loans is required to avoid service charge
• Monthly service fee of $12 if aggregate account balances fall below monthly average balance requirement
• No minimum checking balance
• Unlimited check writing
• Interest earned on entire collected balance
• Please contact us for current rates
• Image of checks provided with monthly statement
• Annual fee waived on checking reserve loan*
• No Annual Fee on Cash & Check Card*
  

Personal Checking

• Unlimited check writing
• Maintain $300.00 minimum daily balance to avoid service charge
• Monthly service fee of $7 if daily balance falls below minimum
• No per check charge
• Image of checks provided with monthly statement
• No Annual Fee on Cash & Check Card*

Personal Interest Checking

• Maintain $1000.00 minimum daily balance to avoid service charge
• Monthly service fee of $10 if daily balance falls below minimum
• Interest earned on entire collected balance
• Please contact us for current rates
• Unlimited check writing
• No per check charge
• Image of checks provided with monthly  statement
• No Annual Fee on Cash & Check Card*

* Subject to credit approval

Savings
 

Passbook Savings

• Maintain $100.00 minimum daily balance to avoid service charge
• Monthly service fee of $2.00 if balance falls below minimum
• Interest earned on entire collected balance
• No annual fee on "Instant Cash" card
• Please contact us for current rates
• Annual account statement

Money Market Savings

• Maintain $2500 daily minimum balance to avoid service charge
• Monthly fee of $5 if balance falls below minimum
• Interest earned on entire collected balance
• Please contact us for current rates
• Limitations on withdrawals - During any statement cycle you may not make more than six withdrawals or transfers to another account
• Monthly account statement
• No Annual Fee on Cash & Check Card*

Youth Savings (for our young savers under 18 years old)

• No minimum balance
• No service charge
• Interest earned on entire collected balance
• Please contact us for current rates
• Annual account statement

Retirement/Health Savings Accounts
 

Saving for retirement or contributing to a Health Savings Account is easy at Farmers State Bank. Ask one of our bankers for details on the following accounts.

• Traditional IRA
• Roth IRA
• SEP Plans (Simplified Employee Pension)
• HSA Accounts (Health Savings Account)