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Services
Non-Interest Bearing Checking
Accounts
Regular Checking:
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$100.00 minimum balance required to open
account.
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Graduated monthly maintenance fee
based on tiered average daily balances.
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Two free debit transactions each
statement cycle for each $100.00 average daily balance during the
statement cycle.
Interest Bearing Accounts
Hometown Checking:
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$100.00 minimum balance required to open
account.
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Must maintain a $500.00 average daily
balance each statement cycle to earn interest.
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Service charge if average daily
balance falls below $100.00 each statement cycle.
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Unlimited check writing.
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Numerous Hometown Checking club
benefits through membership.
Hometown Checking Plus:
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$100.00 minimum balance required to open
account.
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No minimum balance required to earn
interest.
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A flat low monthly fee.
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Unlimited check writing.
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Numerous Hometown Checking club
benefits through membership plus more...
NOW:
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$1,000.00 minimum balance required to
open account.
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No minimum balance required to earn
interest.
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Service charge if average daily
balance falls below $1,000.00 each statement cycle.
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Two free debit transactions each
statement cycle for each $100.00 average daily balance during the
statement cycle.
First Security:
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$1,000.00 minimum balance required to
open account.
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Must maintain $1,000.00 average daily
balance each statement cycle to earn interest.
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Tiered interest rate schedule based
on average daily balances.
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Service charge if average daily
balance falls below $1,000.00 each statement cycle.
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Two free debit transactions each
statement cycle for each $100.00 average daily balance during the
statement cycle.
Advantage Money Market
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$1,000.00 minimum balance required to
open account.
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Must maintain $1,000.00 average daily
balance each statement cycle to earn interest.
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Tiered interest rate schedule based
on average daily balances.
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Service charge if average daily
balance falls below $1,000.00 each statement cycle.
USB Plus Money Market
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$25,000.00 minimum balance required to
open account.
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Must maintain $0.01 average daily
balance each statement cycle to earn interest.
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Tiered interest rate schedule based
on average daily balances.
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Service charge if average daily
balance falls below $25,000.00 each statement cycle.
Regular Savings:
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$50 minimum balance required to open
account.
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No minimum balance required to earn
interest.
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Service charge based on number of
withdrawals during each month.
IRAs:
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Financial security for
retirement.
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Traditional or Roth IRAs
Certificates of Deposit:
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$1,000.00 minimum balance required to
open account.
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Terms ranging from 30 days to 60
months.
Loans:
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Agricultural
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Automobile
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Recreational
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Boat, Motor, Trailer
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Home Improvement
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First and Second Mortgages
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Adjustable Rate Mortgages
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Personal
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Cash Reserve
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Construction
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Secondary Market Mortgages
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Overdraft Protection Line of Credit
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Full Service Loan Departments at each location
Bonds
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Redemption of U. S. Saving Bonds Series E, EE or I Bonds
Commercial Banking:
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Business Checking Accounts
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Mortgages
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Commercial Loans
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Statement Savings
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Certificate of Deposit
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ACH Origination
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Letters of Credit
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Remote Deposit Capture
Special:
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Account Reconcilement
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ATM / Debit Cards
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ATM's at all three
locations and First Bankers Trust ATM's located
in Carthage, Macomb, Paloma, Quincy, Rushville and Springfield,
Illinois
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Automatic Payments
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Bank by Mail
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Cashier's Checks
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Check Imaging
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Credit Cards
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Direct Deposit of U.S. Government Benefit Checks and Payroll
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Drive-Up Banking
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Gift, Travel and Reloadable Cards
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Internet Banking including:
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Bill Pay
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Inline Check Images
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E-Statements
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E-Bills
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Night Depository at three
locations
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Notary Public at each location
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Personal Money Orders
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Personal Service
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Telephone Transfers
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Travelers Checks
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Wire Transfers
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