First State Bank Shannon-Polo-Lake Carroll offers savings plans that make saving just a little easier. All of our savings accounts offer competitive rates and easy access to your money. Whether you start small or already have a nest egg, any of our savings accounts will give you the liquidity you want and the safety you expect.

STATEMENT SAVINGS ACCOUNT
This is an interest bearing account. Please contact the bank for current rates.
Minimum balance to avoid imposition of fees—A $2.00 fee will apply each month if the average daily balance for the month falls below $100.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Transaction limitations—Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by debit card or similar order to third parties.

YOUTH STATEMENT SAVINGS ACCOUNT
This is an interest bearing account. Please contact the bank for current rates.
No Minimum balance required and no maintenance fees.
Available to customers 22 years of age and younger. Upon reaching the age of 23, we will convert the account to a Statement Savings Account.
Transaction limitations—Transfers from a Youth Statement Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by debit card or similar order to third parties.

CHRISTMAS CLUB ACCOUNT
Rate Information—If you elect an automatic transfer from your checking or savings account, the interest rate is higher than if you elect to use a coupon book.  Please call us for current rates.
Minimum balance to open the account—You must deposit $2.00 to open this account.
Transaction limitations—You may make deposits into your account before maturity. You may make withdrawals of principal and interest from your account before maturity subject to the following penalty.
Early withdrawal penalties—A penalty may be assessed for withdrawals before maturity. The penalty will be the loss of all accrued interest plus the amount of one regularly scheduled weekly payment. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Maturity—A check for the principal plus accrued interest will be mailed to you at maturity.


FDIC
First State Bank Shannon-Polo-Lake Carroll
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