600 Commercial Street, Atchison, KS 66002 | (913) 367-6000
July 23, 2008
Spacer Image
Bankk News & Information

Lil Pardner Smart Savers Account
Howdy Pardner!

Introducing Exchange Bank’s Lil’ Pardner savings account!

The VISA Gift Card
A Great Gift Idea for Graduation or Weddings!

Savings & Money Market

Spacer Image
Account Type More Info Minimum Opening Balance Monthly Service Charge Balance to Avoid Service Charge Item Fees
Money Market More» $500.00 $0.00 N/A $5.00 if over 4

Money Market

Account Fees:

  • Excessive withdrawal item charge of $5.00 if over four (4) items per statement cycle

Rate Information:

  • This account is an interest bearing account.
  • The interest rate and annual percentage yield will depend upon the daily balance in the account.
  • Interest Rates are available upon request.
  • The interest rate and annual percentage yield may change.
  • At our discretion, we may change the interest rate on the account daily.
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
  • Interest will be compounded monthly and will be credited to the account monthly.
  • If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information:

  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations:

  • You must deposit $500.00 to open this account.
  • You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
  • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Savings More» $50.00 $1.00 $100.00 $1.00 if over 3

Savings

Account Fees:

  • A $100.00 balance needs to be maintained to avoid a service charge.
  • If the balance falls below $100.00, a $1.00 fee will be assessed for that month.
  • Withdrawals in excess of three (3) per month will be charged $1.00 per transaction.
  • Custodian or guardian accounts will not be assessed these fees.
  • A monthly dormant fee of $3.00 will be assessed if your balance is less than $250.00 and the account has had no customer activity for 24 months.

Rate Information

  • This account is an interest bearing account.
  • The interest rate and annual percentage yield are available upon request.
  • The interest rate and annual percentage yield may change.
  • At our discretion, we may change the interest rate on the account daily.
  • Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
  • Interest will be compounded quarterly and will be credited to the account quarterly.
  • If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information:

  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations:

  • You must deposit $50.00 to open this account.
  • You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction.  Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
  • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Member FDIC | Equal Housing Lender