Benefits

• Earns competitive high yielding variable rate with the current rates posted in bank lobby and here - Rates are subject to change at anytime.
• All interest paid is based on collected balances

Fees

• Monthly service charge is based on the following minimum balances:
  • If balance is $1,000 or more - No Service Charge
  • If balance is below $1,000 - $6.00 maintenance fee and a $0.25 per debit (check) during the monthly cycle.
• Customer responsible for check printing fees
• Interest is compounded monthly and credited on the last day of the statement

Benefits

All the benefits of NOW Checking PLUS:

• Earns competitive high yielding variable rate above the Now Checking with the current rates posted in bank lobby and here - Rates are subject to change at anytime.

Fees

Monthly service charge is based on the following minimum balances:

• If balance is $2,500 or more OR $5,000 average balance - No Service Charge
• If balance is below $2,500 OR $5,000 average - $7.00 maintenance fee and a $0.25 per debit (check) charge.

Benefits

• Earns competitive high yielding variable rate with current rate posted in bank lobby and here - Rates are subject to change at anytime.
• All interest paid is based on collected balances
• Direct deposit is available.
• Unlimited withdrawals in bank lobby.
• Easy to balance statement in number order.
• 24 hour account inquiry and transfer information.

Fees

• Monthly service charge is based on the following minimum balances:
  • If balance is $1,000 or more - No Service Charge
  • If balance is below $1,000 - $7.00 maintenance fee
• Customer responsible for check printing fees
• Interest is compounded monthly and credited on the last day of the statement.
• Maximum of 6 transactions per month, of which 3 can be by check

Disclosures that apply to all interest earning consumer checking plans:

• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
• We use the daily balance method to calculate the interest on your account.
• Interest will be compounded and credited to your account monthly.
• If you close your account before interest is credited, you will receive the accrued interest.
• Interest begins to accrue no later than the business day we receive collected credit for the deposit of non cash items (checks).

Benefits

• Earns competitive high yielding variable rate with current rates posted here and in bank lobby - Rates are subject to change at any time.
• Direct Deposit Available
• 24 hour account inquiry and transfer information
• Interest is based on collected balances, credited quarterly on the last day of March, June, Sept. & Dec.

• Balance of $100 or more - No Service Charge
• Balance below $100 receives a $2.00 service charge per quarter.
• Exception to Service Charges:
  • Minors (under the age of 18 upon request)

• Earns competitive high yielding variable rate with current rates posted here and in bank lobby - Rates are subject to change at any time.
• Direct Deposit Available
• 24 hour account inquiry and transfer information
• Interest is based on collected balances, credited monthly.
• 24 hour ATM Access

• Balance of $100 or more - No Service Charge
• Balance below $100 receives a $1.00 service charge per month.

• Earns competitive high yielding variable rate with current rates posted here and in bank lobby - Rates are subject to change at any time.
• Planned savings for the Holiday Season.
• Flexible periodic payment allowed.
• Check mailed in time for Christmas shopping.
• Interest is credited on the maturity date.

Fees

• No Service Charges

Disclosures that apply to all savings:

• Your interest rate and annual percentage yield (APY) may change. At our discretion, we may change the interest rate on your account at any time.
• We use the daily balance method to calculate the interest on your account, based on collected balances.
• Interest will be compounded and credited to your account.
• If you clsoe your account before interest is credit you will receive the accrued interest.

• Attractive interest rates based on current market.
• Interest rates are fixed for the term of the contract.
• Certificates are available with maturities of 3 months, 6 months, 12 months, 24 months, 36 months, and 48 months.
• Interest payable by check, credited to account, or added to certificate.

• No Service Charges
• Certificates may be opened for any amount over the $500 Minimum.
• Subject to penalty for early withdrawal.

• Your interest begins to accrue no later than the business day we receive collected credit for the deposit of non cash items (checks).
• We use the daily balance method to calculate the interest on your certificate of deposit. This method applies daily periodic rate to the principal on the certificate of deposit each day.
• If interest compounding occurs during the term of the certificate of deposit, the annual percentage yield assumes interest will remain on deposit until maturity, a withdrawal will reduce earnings.
• If you close your account before interest is credited, you will receive accrued interest, less early withdrawal penalties.
• For certificates of deposit that will automatically renew at maturity, you will have 10 calendar days after the maturity date to withdrawal funds without penalty.
• No deposits or withdrawals from this account until maturity.
• Early Withdrawal Penalty:
  • The following penalty may be charged to your certificate of deposit if you withdraw any principal before the maturity date:
    • For deposits with original maturities of 90 days but less than one year, the penalty forfeiture of 30 days simple interest on the amount withdrawn.
    • For deposits with original maturities of one year but less than two years, the penalty forfeiture of 90 days simple interest on the amount withdrawn.
    • For deposits with original maturities of two years or more, the penalty will be forfeiture of 180 days simple interest on the amount withdrawn.
  • If sufficient interest has not accrued at the time of withdrawal, principal will be reduced to the extent necessary to meet the penalty.
  • The amount of the penalty will be calculated using the interest rate in effect on your account at the time of withdrawal.
  • Early withdrawal may be made because of death or judicially declared incompetence of a depositor will not be penalized

• Attractive interest rates based on current market.
• Current rates are posted in the lobby and here.
• Tax deferral earnings.
• Federal law allows individuals to set aside up to 100% of their income - NOT TO EXCEED $2,000 PER YEAR.
• If a person's spouse does not have earned income in a particular year, an extra $250 may be contributed - NOT TO EXCEED $2,250 PER YEAR.
• IRA account available - 12 month certificate.

• No Service Charges
• Funds contributed to an IRA may not be withdrawn before the person reaches the age of 59 1/2 years without substantial Federal Penalty.
• By the age of 70 1/2 years the individual must have begun to withdraw funds.
• Withdrawal in part or in full before maturity from this deposit may require a penalty under Federal Law and may cause a loss of principal to you.
• Note: All interest paid is based on collected balances.
• Early withdrawal penalties may not always apply to IRA and Keogh accounts. See your IRA or Keogh account literature for details.

Stop Payment

• Information
  • Visa Classic
  • Visa Platinum
  • Young Adult Visa
  • College Visa
  • Cash Rewards Visa Platinum
  • Travel Rewards Visa Platinum

• Applications
  • Visa Classic
  • Visa Platinum
  • Young Adult Visa
  • College Visa
  • Cash Rewards Visa Platinum
  • Travel Rewards Visa Platinum

All applications are in PDF format, if you do not have Adobe Acrobat Reader, click here to get it for free.

Today the Debit Card (Check Card) is the way to pay. It is fast and easy and is tied directly to your checking account. Debit Cards work similarly to credit cards, you can pay at the pump at your local gas station, you can use it in place of cash to better track your spending, the benefits are endless.

To apply for a Debit Card, all you need is a checking account in good standing and in compliance with our Checking Account Policies and Procedures.

Click here to fill in an application, print out and submit to our office or print out the application and fill it out and forward it to our office.

All applications are in PDF format, if you do not have Adobe Acrobat Reader, click here to get it for free.

If you are interested in acquiring a personal loan for any reason, including the purchase of a vehicle or a computer or for debt consolidation or other consumer request, simply fill in and print out the application or print out the application and fill it out and forward it to our office. If you have any questions, please contact us and one of our loan representatives would be happy to answer any questions you may have.

Included with Personal Loans is Personal Reserve/Overdraft Banking. This is a loan account that is tied directly to your checking account which allows you to overdraw your checking account by creating a loan for the overdraft amount. This 'create your own loan' system is a very convenient method to handle those unexpected needs. You can apply for your Personal Reserve account by filling out an application or print it out and forwarding it to our office. Again, if you have any questions, please contact us and we will be happy to answer any questions you may have. Thank you for choosing Palmyra State Bank.

All applications are in PDF format, if you do not have Adobe Acrobat Reader, click here to get it for free.

Copyright 2004 - Palmyra State Bank - Palmyra, Wisconsin

Palmyra State Bank uses links to other sites in an effort to help locate interesting topics and assist our customers.  Palmyra State Bank cannot attest to the accuracy of information provided by the sites.  Linking to another site does not mean a site or product is endorsed by Palmyra State Bank.

Site Last Updated Monday, September 27, 2004 2:17 PM