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Palmyra State Bank Savings Accounts
At Palmyra State Bank, we provide a wide variety of savings account products. We invite you to browse our various options either by clicking the links above or from the list below. If you have any questions please feel free to contact one of our new accounts representatives at our office.
Savings Accounts:
Account Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
At Palmyra State Bank, we provide a wide variety of savings account products. We invite you to browse our various options either by clicking the links above or from the list below. If you have any questions please feel free to contact one of our new accounts representatives at our office.
Savings Accounts:
Account Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Statement Savings Accounts
We offer a variety of solutions to suit your savings account needs. Our statement savings accounts offer great benefits and are easy to use and manage!
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
We offer a variety of solutions to suit your savings account needs. Our statement savings accounts offer great benefits and are easy to use and manage!
Account Overview:
- Earns competitive high yielding variable rate
- Rates subject to change at any time
- Direct deposit available
- Interest paid is based on collected balances, is compounded monthly and credited on the last day of the statement
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Banking
- No Monthly Service Charge or Fees with a $100 Minimum Balance
If balance falls below $100, the following fees apply:- $1.00 Monthly Maintenance Fee
- ATM Fees Apply
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Passbook Savings Accounts
A Palmyra State Bank Passbook Savings account is an excellent solution for those savers of all ages. These savings accounts offer the convenience of a passbook that updates every time you conduct a transaction at our office.
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
A Palmyra State Bank Passbook Savings account is an excellent solution for those savers of all ages. These savings accounts offer the convenience of a passbook that updates every time you conduct a transaction at our office.
Account Overview:
- Earns competitive high yielding variable rate
- Rates subject to change at any time
- Direct deposit available
- Interest paid is based on collected balances, is compounded quarterly and credited on the last day of the statement
- 24 Hour Internet Banking
- 24 Hour Telephone Banking
- No Monthly Service Charge or Fees with a $100 Minimum Balance
If balance falls below $100, the following fees apply:- $2.00 Monthly Maintenance Fee
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Certificates of Deposit
3 Months - 4 Years
Palmyra State Bank proudly offers many different Certificate of Deposit options. With maturity options ranging from as short as 3 months to as long as 4 years, there is sure to be one for you. One of our highly qualified new account representatives will be happy to answer any of your questions and open a new Certificate of Deposit for you!
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
3 Months - 4 Years
Palmyra State Bank proudly offers many different Certificate of Deposit options. With maturity options ranging from as short as 3 months to as long as 4 years, there is sure to be one for you. One of our highly qualified new account representatives will be happy to answer any of your questions and open a new Certificate of Deposit for you!
Account Overview:
- Attractive interest rates based on current market
- Fixed interest rate for the entire term of the certificate
- Compounding varies based on product
- Maturities of 3 Months to 4 Years
- 24 Hour Internet Banking
- 24 Hour Telephone Banking
- No Service Charges
- Minimum balance is $500 or more
- Subject to penalties for early withdrawal
- CDs are set as automatically renewable
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
IRA Accounts
Our IRA accounts have competitive rates and are a great investment option!
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Our IRA accounts have competitive rates and are a great investment option!
Account Overview:
- Attractive interest rates based on current market
- Compounding varies based on product
- Current rates posted online and in the bank lobby
- 24 Hour Internet Banking
- 24 Hour Telephone Banking
- Tax deferral of earnings
- No Service Charges
- Funds contributed to an IRA may not be withdrawn before the person reaches the age of 59 1/2 years
- Subject to penalties for early withdrawal
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Christmas Club Accounts
What better way to plan for the holiday season! Our Christmas Club account earns a competitive interest rate. You can choose to set your own payment schedule. There are no services charges and interest is credited on the maturity date. Your check will then be mailed to you with plenty of time for the holiday shopping season.
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
What better way to plan for the holiday season! Our Christmas Club account earns a competitive interest rate. You can choose to set your own payment schedule. There are no services charges and interest is credited on the maturity date. Your check will then be mailed to you with plenty of time for the holiday shopping season.
Account Overview:
- Earns competitive high yielding variable rate
- Planned savings for the Holiday Season
- Flexible periodic payments allowed
- Check mailed in time for holiday shopping
- 24 Hour Internet Banking
- 24 Hour Telephone Banking
- Interest is credited on the maturity date
- No Service Charges!
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Additional Transactional Account Charges back
Stop Payment
Non-Sufficient Funds (Per Item)
Overdrafts (Per Item)
Accounts overdrawn over 3 consecutive days will be charged $2 per day for each additional day overdrawn.
Statement Copies (Per Copy)
Check Copies (Per Copy)
Safekeeping Check Copies (Per Copy)
Bookkeeping Research (Per Hour)
Wire Transfer, Incoming
Wire Transfer, Outgoing
Wire Transfer, International
Item Returned Unpaid to Bank
Cashiers Check
Personal Money Order
PULSE Card & Checkcard
Replacement PULSE Card & Checkcard
International ACH Transaction
$20.00
$20.00
$20.00
$2.00
$2.00
$5.00
$15.00
$10.00
$18.00
$45.00
$5.00
$3.00
$2.50
$5.00
$6.00
$10.00
Collections Under $50 (Incoming & Outgoing)
Collections Over $50 (Incoming & Outgoing)
Check Certification
Handling Each Legal Process Affecting the Account:
Attachment
Garnishment
Levy, Etc.
Special Cut-Off of Statement
Telephone Transfer
Reconciling of Bank Statement:
First Time (In 3 Month Period)
Any Additional (Per Hour)
Coupon Redemption (Per Envelope)
Bond of Indemnity
ATM Usage Fees:
Palmyra State Bank ATM
PULSE Network ATM
Outside PULSE Network
$7.50
$15.00
$15.00
$25.00
$25.00
$25.00
$2.00
$1.00
N/C
$15.00
$2.00
$5.00
N/C
$1.00
$2.00
Disclosures that apply to all Savings Plans: back
- 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, based on the collected balance.
- Interest will be compounded and credited to your account.
- All references to "balance" is the Daily Balance, which is the balance at the end of each day during the statement cycle.
- If an Average Balance is noted, the average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
- The Overdraft/Non-Sufficient Funds charges/fees applies to overdrafts created by check, an in-person withdrawal, ATM withdrawal or other electronic means.
- Interest begins to accrue no later than the business day we receive your deposit.
- We use the daily balance method to calculate the interest on your certificate of deposit. This method applies a 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 the 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 withdraw funds without penalty.
- No deposits or withdrawals from this account until maturity.
- 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 less than one month, the penalty will be forfeiture of simple interest that could have been earned on the amount withdrawn had the funds remained on deposit until maturity.
- For deposits with original maturities of 31 days but less than one year, the penalty will be the forfeiture of the 30 days simple interest on the amount withdrawn.
- For deposits with original maturities of one year but less than two years, the penalty will be the forfeiture of 90 days simple interest on the amount withdrawn.
- For deposits with original maturities of two years or more, the penalty will be the 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 required penalty.
- The amount of the penalty will be calculated using the interest rate in effect on your account at the time of withdrawal.
- Early withdrawals made because of the death or the judicially declared incompetence of a depositor will not be penalized.
- Early withdrawal penalties may not always apply to IRA and Keogh accounts. See your IRA or Keogh account literature for details.
