Accounts and Services

You may also pay Rock Island County property taxes, Mid American Gas and Electric bills, and the Village of Andalusia water bills here at the bank. We have three ATM locations available for your convenience; one at each bank location and one at Ducky's Lagoon in Andalusia.

Types of Checking Accounts:

Bear Account:

• There is a $100.00 minimum deposit to open your account.
• This account does not earn interest.
• Only a $2.00 flat monthly fee.
• This is a transaction account. We will safekeep checks for ninety (90) days. A copy will be made available if necessary.
• Charge per check copy: < 90 days $1.00 each; > 90 days $10.00 each.

Basic Checking Account:

• There is a $100.00 minimum deposit to open your account.
• This account does not earn interest.
• Fees are based on the number of checks and debit items.
• Each check or debit item = $ .25

Regular Minimum Balance Account:

• There is a $100.00 minimum deposit to open your account.
• This account does not earn interest.
• Fees are based on the minimum balance in the account on any day of the monthly statement cycle.
• Average Daily Ledger Balance falls below $300.00 any day of the month = $2.00
• Average Daily Ledger Balance falls below $200.00 any day of the month = $4.00
• Average Daily Ledger Balance falls below $100.00 any day of the month = $6.00

NOW Account:

• There is a $100.00 minimum deposit to open your account.
• Available to individuals, nonprofit organizations, municipalities, and sole proprietorships.
• Not available to businesses, partnerships, or corporations.
• Minimum deposit required to earn the Annual Percentage Yield = $1,000.00
• $1,000.00 Average Daily Ledger Balance required to avoid fees.
• Average Daily Ledger Balance < $1,000.00 any day of the month = $10.00
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account weekly on Mondays.
• Interest begins to accrue no later than the day following the date of your deposit.
• Interest is compounded and credited to your account monthly on the day the statement is cycled. If you close your account before interest is credited, you will not receive the accrued interest.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Super NOW Account:

• There is $100.00 minimum deposit to open your account.
• Available to individuals, nonprofit organizations, municipalities, and sole proprietorships.
• Not available to businesses, partnerships, or corporations.
• Minimum deposit required to earn the Annual Percentage Yield = $2,500.00
• $2,500.00 Average Daily Ledger Balance required to avoid fees.
• Average Daily Ledger Balance < $2,500.00 any day of the month = $10.00
• No interest will be paid for the days when the daily balance drops below $2,500.00
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account weekly on Mondays.
• Interest begins to accrue no later than the day following the date or your deposit.
• Interest is compounded and credited to your account monthly on the day the statement is cycled. If you close your account before interest is credited, you will not receive the accrued interest.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Insured Plus Account (Money Market):

• There is a $100.00 minimum deposit to open your account.
• This account is available to anyone, including businesses.
• Minimum deposit required to earn the Annual Percentage Yield = $2,500.00
• $2,500.00 Average Daily Ledger Balance required to avoid fees.
• Average Daily Ledger Balance < $2,500.00 any day of the month = $10.00
• No interest will be paid for the days when the daily balance drops below $2,500.00
• Each check, withdrawal, transfer or debit in excess of six (6) per month = $5.00
• Excessive abuse of activity restrictions may cause us to close your account.
• This is a tiered account.
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account weekly on Mondays.
• Interest begins to accrue no later than the day following the date of your deposit.
• Interest will be compounded and credited to your account monthly on the day the statement is cycled. If you close your account before interest is credited, you will not receive the accrued interest.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.