Personal Banking

CHECKING ACCOUNT OPTIONS

NON INTEREST BEARING ACCOUNTS
FREE CHECKING

No Minimum Balance Required
No Monthly Service Charge
Monthly Statement Provided
Safekeeping of Checks
Unlimited Check Writing
First Order of Checks Are Provided FREE For Opening A New Checking Account

REGULAR CHECKING

No Minimum Balance Required
$5.00 Monthly Service Charge Per Statement Cycle
Imaged Checks Provided In Monthly Statement
Unlimited Check Writing

SUPER CHECKING

Minimum Balance $300
$5.00 Service Fee Per Cycle If Account Is Below Minimum At Any Time During Statement Cycle
Imaged Checks Provided In Monthly Statement

CLASSIC CHECKING

No Minimum Balance Required
No Monthly Service Charge
$5.00 Monthly Club Fee
Imaged Checks Provided in Monthly Statement
Unlimited Check Writing
Free Bank Logo Checks
Added Club Privileges, Banking Services, Credit Card Registration, Life Insurance

GOLD CLASSIC CHECKING

Reserved For A Select Group 55 Years Of Age And Over
All The Benefits and Conditions of Classic Checking
$3.00 Monthly Club Fee Gold Classic Checking

NOW ACCOUNTS: INTEREST BEARING ACCOUNTS

Interest Is Compounded Monthly and paid on the average daily balance on the following accounts
Annual Percentage Yield (APY) Subject To Change At Any Time.

NOW CHECKING

Minimum Balance of $750
Unlimited Check Writing
Imaged Checks Provided In Monthly Statement
$8.00 Service Fee Per Account Cycle If Account Is Below Minimum At Any Time During Statement Cycle

NOW CLASSIC CHECKING

Minimum Balance of $750
$5.00 Monthly Club Fee
Unlimited Check Writing
Free Bank Logo Checks
Imaged Checks Provided In Monthly Statement
Added Club Privileges, Banking Services, Credit Card Registration And Insurance Protection
$8.00 Service Fee Per Account Cycle If Account Is Below Minimum At Any Time During Statement Cycle

NOW GOLD CLASSIC CHECKING

Reserved For A Select Group 55 Years Of Age And Over
All The Benefits and Conditions of NOW Classic Checking
$3.00 Monthly Club Fee

*All Checking Accounts Provide Internet Banking and Debit Card At No Additional Charge

SAVINGS ACCOUNT OPTIONS
PASSBOOK SAVINGS

No Minimum Balance Required
No Monthly Service Charge
Interest Compounded Daily, Credited Quarterly

RED RIVER INVESTMENT

$1,000 Minimum Balance Required
Interest Compounded Monthly, Credited Monthly
You may only make 6 preauthorized transfers from your account each statement cycle. After the sixth withdrawl, there is a $2.50 Service Charge per withdrawl.

PERSONAL MONEY MARKET

$35,000 Minimum Balance Required
Interest Compounded Monthly, Credited Monthly
You may only make 6 preauthorized transfers from your account each statement cycle. After the sixth withdrawl, there is a $2.50 Service Charge per withdrawl.

CERTIFICATE OF DEPOSITS (CDs)

You decide how long you want to invest your money with our various CDs. Call Lori at 1-218-456-2187 For Information On Current Interest Rates

Minimum Deposit $1,000
We Offer CDs from 6 to 60 Months.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Traditional

$1,000 Minimum Balance To Open
Interest is Compounded and Credited Annually
Account Matures 12 Months After Opening Account

Roth

$1,000 Minimum Balance To Open
Interest is Compounded and Credited Annually
Account Matures 12 Months After Opening Account

Educational

$500 Minimum Balance To Open
Interest is Compounded and Credited Annually
Account Matures 12 Months After Opening Account

Member FDIC | Equal Housing Lender