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EAGLE CHECKING
ACCOUNT |
This account is also available
to non-profit organizations.
Minimum balance to open the account: You must
deposit $100.00 to open this account.
Minimum
balance to avoid imposition of fees: A service charge fee of $2.00
will be imposed every statement cycle if the balance in the account falls
below $200.00 any day of the cycle.
Fees:
A fee of $.20 per debit item will be charged for each debit transaction
(withdrawal, check paid, automatic transfer or payment out of this account).
This fee will apply if the daily balance is less than $750.00. Above $750.00
- no service charge. |
EAGLE CLUB ACCOUNT |
Minimum balance to open
the account: You must deposit $100.00 to open this account.
Fees:
A service charge fee of
$8.00 will be charged each statement cycle.
A service charge fee of $6.50 will be charged with E-Statements only.
Additional features:
- Club checks included in service fee
or club discount available on other checks
- No Monthly Service Fee Visa Checkcard/ATM Card
- Unlimited check writing
- Accidental death insurance
- Credit card protection
- Discount movie tickets
For other benefits, ask for further details. |
GOLDEN EAGLE CLUB ACCOUNT
(For persons 62 and over) |
Minimum balance to open
the account: You must deposit $100.00 to open this account.
Fees: A service charge fee of
$4.50 will be charged each statement cycle. This account is similar to
the Eagle Club Account with some added benefits. One added benefit is “No Monthly Service Fee for the Visa Checkcard/ATM Card.” Contact a New Accounts Representative for a copy of our Golden Eagle Club brochure for more details about added benefits. |
FREEDOM ACCOUNT
Minimum balance to open the account: You must deposit $ 100.00 to open this account.
Minimum balance to avoid imposition of fees $ 500.00 or above.
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Fees:
- Below $500.00 minimum balance - $5.00 Service Charge Fee or
- Below $500.00 minimum balance with eStatements only $3.00 Service Charge Fee
- Cancelled checks NOT returned in statement |
STUDENT ACCOUNT
(for full time students age 16-22) |
Minimum balance to open the account: You must deposit $100.00 to open this account.
Students 16-18 must have parent/legal guardian sign on account.
Students may have this account until May of the year they turn 22, at which time their account will be converted to the economy account offered at that time.
Fees:
- No Monthly Service Charge
- No Minimum Balance Required
- No Monthly Service Fee VISA Checkcard/ATM Card
- No Fee Online Banking
- Free Mobile Alerts
- No Fee on Incoming Wire Transfers
- 24 hour Telephone Banking
- Discount Movie Tickets – Hollywood Theaters & Carmike Cinemas
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SUPER NOW ACCOUNT |
Rate Information: Your
interest rate and annual percentage yield may change.
Frequency
of rate changes: We may change the interest rate on your account at
any time.
Determination of rate: At our discretion, we
may change the interest rate on your account.
Compounding and crediting frequency: Interest
will be compounded every month. Interest will be credited to your account
every month.
Minimum balance
to open the account: You must deposit $1,500.00 to open this account.
Minimum balance to avoid imposition
of fees: A service charge fee of $15.00 will be imposed every statement
cycle if the balance in the account falls below $1,500.00 any day of the
cycle.
Daily balance computation
method: 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.
Accrual
of interest on noncash deposits: Interest begins to accrue no later
than the business day we receive credit for the deposit of noncash items
(for example, checks).
Interest that has accrued but not credited back to the account at closing will be forfeited. |
GOLDEN EAGLE SUPER
NOW ACCOUNT |
This account combines all
of the features of our Golden Eagle Account with the benefits of our Super
Now Account.
Rate Information:
Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may
change the interest rate on your account at any time.
Determination of rate: At our discretion, we
may change the interest rate on your account.
Compounding and crediting frequency: Interest
will be compounded every month. Interest will be credited to your account
every month.
Minimum balance
to open the account: You must deposit $1,500.00 to open this account.
Minimum balance to avoid imposition
of fees: A below minimum service charge fee of $15.00 will be imposed
every statement cycle it the balance in the account falls below $1,500.00
any day of the cycle.
Daily
balance computation method: 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.
Accrual
of Interest an noncash deposits: Interest begins to accrue no later
than the business day we receive credit for the deposit of noncash items
(for example, checks).
Fees:
A service charge fee of $4.50 will be charged each statement cycle.
Interest that has accrued but not credited back to the account at closing will be forfeited. |
COMMERCIAL SUPER
NOW ACCOUNT
(Available
to sole proprietorship businesses only) |
This account is not a consumer
account to which Truth in Savings applies.
Unlimited
checkwriting.
Rate information: Your interest
rate and annual percentage yield may change.
Frequency of rate changes: We may change the
interest rate on your account at any time.
Determination of rate: At our discretion, we
may change the interest rate on your account.
Compounding and crediting frequency: Interest
will be compounded every month. Interest will be credited to your account
every month.
Minimum balance
to open the account: You must deposit $1,500.00 to open this account.
Minimum balance to avoid imposition
of fees: A service charge fee of $15.00 will be imposed every statement
cycle if the balance in the account falls below $1,500.00 any day of the
cycle.
Daily balance computation
method: 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.
Accrual
of Interest on noncash deposits: Interest begins to accrue no later
than the business day we receive credit for the deposit of noncash items
(for example, checks).
Fees:
A per debit item fee of $.15 will be charged for each debit transaction
(withdrawal, check paid, automatic transfer or payment out of this account).
Interest that has accrued but not credited back to the account at closing will be forfeited. |
MONEY MARKET TIER
ACCOUNT
(also available
to commercial accounts) |
| Rate Information:
Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may
change the interest rate on your account at any time.
Determination of rate: At our discretion,
we may change the interest rate on your account.
Compounding and crediting frequency:
Interest will be compounded every month. Interest will be credited to
your account every month.
Minimum balance to open the account:
You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition
of fees: A service charge fee of $15.00 will be imposed every statement
cycle if the balance in the account falls below $2,500.00 any day of
the cycle.
Daily balance computation method:
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.
Accrual of Interest on noncash deposits:
Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).
Transaction Limitations:
Transfers from a
Money Market Tier account to another account or to third parties by
preauthorized, automatic, telephone, or computer transfer are limited
to six per statement cycle with no more than three by check, draft,
or similar order to third parties. Unlimited withdrawals/transfers when
done in person.
Fees: A $25.00 per item fee will
be charged for those limited transactions over three per statement cycle.
Checks ordered at additional charge.
Interest that has accrued but not credited back to the account at closing will be forfeited. |
SAVINGS ACCOUNT |
Rate Information: Your
interest rate and annual percentage yield may change.
Frequency
of rate changes: We may change the interest rate of your account at
any time.
Determination of
rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency:
Interest will be compounded every day. Interest will be credited to your
account every quarter.
Minimum
balance to open the account: You must deposit $100.00 to open this
account.
Minimum balance to
avoid imposition of fees: A service charge fee of $5.00 will be charged
to your account every quarter, if the balance in the account falls below
$100.00 any day of the quarter. A quarterly statement will be sent each
quarterly cycle.
Daily balance
computation method: 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.
Accrual
of interest on noncash deposits: Interest begins to accrue no later
than the business day we receive credit for the deposit of noncash items
(for example, checks).
Transaction
limitations: Transfers from a savings account to another account or
to third parties: preauthorized, automatic, telephone, or computer transfer
are limited to six per month with no transfer by debit card or similar order to third parties. You may make no more than six withdrawals per quarter without charge.
Fees:
A withdrawal fee of $2.00 will be charged to your account each quarter
for each withdrawal in excess of six during a quarter. Deposit/withdrawal
books billed at cost.
Interest that has accrued but not credited back to the account at closing will be forfeited. |
COMMERCIAL CHECKING
ACCOUNT |
This account is not a consumer
account to which Truth in Savings applies.
Minimum balance to open the account:
You must deposit $100.00 to open this account.
Fees: A maintenance fee of $10.00 will be charged
each statement cycle. The following per item fees will also be charged
each statement cycle:
Per debit
item processed..........$.15
Per
deposit..........$.20
Per item deposited..........$.08
You will earn a credit of $.20 per $100 collected balance to offset all
fees on the account.
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COMMERCIAL ECONOMY
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| Minimum balance to open the account:
You must deposit $100.00 to open this account.
Fees: A service charge fee of $5.00 will be charged
each statement cycle. The following per item fees will also be charged
each statement cycle:
Debits, in excess of 10 during a statement
cycle.........$.50 per item
Other commercial services:
- Night depository
- Bank bags - $3.00
- Night depository bags - $15.00, Key
- 5.00
- Merchant Services
Closing of Super Now, Money Market Tier
Accounts and Savings—Interest that has accrued but not credited
back to the account at closing will be forfeited. |
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SCHEDULE OF FEES
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The following fees may
be assessed against your account and the following transaction limitations,
if any, apply to your account.
- Account Closed Within 30 Days of Opening: $25.00
- Account Printouts: $3.00
- Administration Fee Minimum: $5.00
- Assignments: $25.00
- Assumed Name Filing Fee: $25.00
- ATM: Card Replacement: $5.00
- ATM: Monthly Service Charge: $1.00
- ATM: Origination Fee: $5.00
- ATM: Pin # Change Fee: $5.00
- ATM: Withdrawal Fee: $1.50
- Bank Bags: $3.00
- Cashier Checks: $3.00
- Cashier Checks (Non Customer): $10.00
- Chargebacks: $3.00
- Check Cashing (Non Customer): 1.00%
- Check Express Card Replacement: $5.00
- Check Express Monthly Fee: $1.50
- Check Express Origination Fee: $5.00
- Check Express Pin # Change Fee: $5.00
- Check Printing: varies
- Check Protect Transfer Fee: $10.00
- Collections - Incoming: $10.00
- Collections - Outgoing: $10.00
- Copies: $2.00
- Fax Machine - Outgoing: $5.00 minimum
- Garnishments & Levies: each $50.00
- Inactive Account Fee: $5.00
- Indemnity Bond Agreement: $25.00
- Money Orders (Customers): $2.00
- Money Orders (Non Customer) $10.00
- Night Depository Bags: $15.00; Key: $5.00
- OD / Paid NSF Item Fee: $30.00
- Research: per hour $25.00
- Return NSF Item Fee: $30.00
- Signature Guarantee (Non Customer) $25.00
- Stop Payments - Drafts/All Other Items: $25.00
- Telephone Transfer (Non-Telebank): $5.00
- Temporary Checks:$2.00
- Wire Transfers: incoming $10.00
- Wire Transfers: outgoing $20.00
- Wire Transfers: international $55.00
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PLEASE CONTACT SPRING HILL STATE BANK AT (903) 759-0751 OR BY MAIL AT
3700 GILMER RD. LONGVIEW, TX 75604 FOR DISCLOSURE
AGREEMENTS.
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