Consumer
Checking Accounts
| The electronic checking account is meant for those who may not qualify for other types of checking accounts, but need an account to receive their electronic paychecks. The account includes a TSB SHAZAMChek card and requires no minimum amount to open. This account is meant to be accessed only by the debit card, so a per check fee applies whenever any paper items are presented against the account. | |
| Minimum Opening Balance |
$0.00 |
| Monthly Service Fee |
$5.00 |
| Excess Item Fee |
$5.00 per non-electronic withdrawal
over 0. |
| Interest Paid |
No |
| SHAZAMChek Card: |
Yes |
| Initial Card Fee |
FREE |
| Monthly Card Fee (15th of each month) |
FREE |
| All SHAZAM Activity |
FREE |
| Non-SHAZAM Inquiry/Transfer/ Withdrawal |
$1.00 each over 5 per month |
| Overdraft/NSF Item Charge |
$20.00 |
| First Cycle Fee Waived |
YES |
| Available for Individuals |
YES |
| Available for corporations and
small business |
NO |
NO |
|
| The Free Checking account is a low cost, no frills checking account for individuals. There is no minimum balance to avoid service charges, and there are no per-check fees assessed against the account. Check images are optionally available with this account. | |
| Minimum Opening Balance |
$100.00 |
| Monthly Service Fee |
FREE |
| Excess Item Fee |
Unlimited Items |
| Interest Paid |
No |
| Interest Tiers |
None |
| SHAZAMChek Card: |
Optional |
| Initial Card Fee |
$7.50 |
| Monthly Card Fee (15th of each month) |
$1.25 |
| All SHAZAM Activity |
FREE |
| Non-SHAZAM Inquiry/Transfer/ Withdrawal |
$1.00 each over 5 per month |
| Optional Check Images with Statement |
$4.00 per cycle |
| Optional Check Image Binder |
$10.00 each |
| Overdraft/NSF Item Charge |
$20.00 |
| First Cycle Fee Waived |
N/A |
| Available for Individuals |
YES |
| Available for corporations and
small business |
NO |
YES |
|
| The TSB Regular checking account, requires the lowest daily balance to waive the service charge, and receive an image statement. | |
| Minimum Opening Balance |
$100.00 |
| Daily Minimum Statement Balance
Required to Waive Service Fee |
$500.00 |
| Monthly Service Fee if Under
Required Daily Minimum Statement Balance |
$7.50 |
| Fees Waived For: |
|
| Excess Item Fee |
$0.20 per debit in excess of 35
in a statement cycle |
| Interest Paid |
No |
| Interest Tiers |
None |
| SHAZAMChek Card: |
Optional |
| Initial Card Fee |
$7.50 |
| Monthly Card Fee (15th of each month) |
$1.25 |
| All SHAZAM Activity |
FREE |
| Non-SHAZAM Inquiry/Transfer/ Withdrawal |
$1.00 each over 5 per month |
| Check Images with Statement |
FREE |
| Image Binder |
First binder free, thereafter $10.00
each |
| Overdraft/NSF Item Charge |
$20.00 |
| First Cycle Fee Waived |
YES |
| Available for Individuals |
YES |
| Available for corporations and
small business |
NO |
YES |
|
| The TSB NOW Account is our interest bearing relationship account. Fees will be waived if a customer keeps the required amount of money in deposit accounts at TSB. | |
| Minimum Opening Balance |
$100.00 |
| Daily Minimum Statement Balance
Required to Waive Service Fee |
$750.00 or Combined Deposit Accounts
Balance of $10,000.00 |
| Monthly Service Fee if Under
Required Daily Minimum Statement Balance |
$10.00 |
| Excess Item Fee |
$0.20 per debit in excess of 35
in a statement cycle |
| Interest Paid |
Yes |
| Interest Tiers |
Yes |
| SHAZAMChek Card: |
Optional |
| Initial Card Fee |
$7.50 |
| Monthly Card Fee (15th of each month) |
$1.25 |
| All SHAZAM Activity |
FREE |
| Non-SHAZAM Inquiry/Transfer/ Withdrawal |
$1.00 each over 5 per month |
| Check Images with Statement |
FREE |
| Image Binder |
First binder free, thereafter $10.00
each |
| Overdraft/NSF Item Charge |
$20.00 |
| First Cycle Fee Waived |
YES |
| Available for Individuals |
YES |
| Available for corporations and
small business |
NO |
YES |
|
| The TSB Premier Account is a tiered interest bearing checking account. Along with the ability to earn interest, additional features include - free TSB Corporate Checks, a free small Safe Deposit Box (if available) at one of the branches, free travelers cheques, free money orders, and a free TSB Credit Card. | |
| Minimum Opening Balance |
$100.00 |
| Daily Minimum Statement Balance
Required to Waive Service Fee |
$3000.00 |
| Monthly Service Fee if Under
Required Daily Minimum Statement Balance |
$9.00 |
| Excess Item Fee |
NONE |
| Interest Paid |
Yes |
| Interest Tiers |
Yes |
| SHAZAMChek Card: |
Optional |
| Initial Card Fee |
FREE |
| Monthly Card Fee (15th of each month) |
$1.25 |
| All SHAZAM Activity |
FREE |
| Non-SHAZAM Inquiry/Transfer/ Withdrawal |
$1.00 each over 5 per month |
| Check Images with Statement |
FREE |
| Image Binder |
First binder free, thereafter $10.00
each |
| Small Safety Deposit
Box (if available) |
FREE |
| TSB Corporate Checks |
FREE |
| Travelers Cheques |
FREE |
| Money Orders |
FREE |
| TSB Credit Card |
FREE |
| Overdraft/NSF Item Charge |
$20.00 |
| First Cycle Fee Waived |
YES |
| Available for Individuals |
YES |
| Available for corporations and
small business |
NO |
YES |
|
| Account Benefits
- All accounts include the following benefits with no additional
fees or charges |
||
| Account Balance Inquiries |
Activity from all accounts on one monthly statement |
ATM (open
24 hours per day) |
| Automatic Clearing House Transactions |
Automatic Loan Payments |
Bank by Mail |
| Cash Savings Bonds |
Check Cashing |
Check Safekeeping |
| Direct Deposit |
Night Depository |
Notary Public Services |
| Telephone Transfers |
TSB VISA and Mastercard Cash Advances |
Treasury Tax & Loan Deposits |
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we may ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
173 Main St N, PO Box 309 • Titonka, IA 50480-0309
Telephone 515-928-2142 • 800-920-2085
Fax 515-928-2042
101 Highway 69 N • Forest City, IA 50436-1616
Telephone 641-585-3247 • Fax 641-585-3907
155 Jackson St, PO Box 7 • Thompson, IA 50478-0007
Telephone 641-584-2275 • 866-984-2275
Fax 641-584-2575
©2001-2007 Titonka Savings Bank
08/25/2005