Laona State Bank offers personalized service that only a
community bank can provide, and at competitive rates. Deposit
accounts are FDIC insured. Rates are posted with an annual percentage yield (APY) as a convenience to
assist you in making financial decisions and are subject to
change without notice. Account fees may affect earnings.
Variable interest rates are subject to change without notice.
Certificates must be held to maturity to receive the indicated
APY. A penalty is imposed for early withdrawal.
The following rates and fees are just an overview, and are not
all-inclusive. Please refer to an account disclosure for
complete information. If you have questions or would like
assistance, please contact us at any of our offices.
Personal Checking Products
Personal Savings Products
Certificates of Deposit
Individual Retirement Accounts
Loan Rates
Fees and Account Features
Rates are subject to change.
To obtain the most current information, call any of our offices.
All rates and fees effective: 07/21/2008
Loan Rates
Laona State Bank offers a variety of loan rates, terms and
options. For more information about our Consumer, Mortgage, and
Commercial Loan Rates and Products, please contact the Loan Department at
any of our locations.
Debit Card Hot
Card..................................................................................
$20.00
Replace Lost Debit
Card..............................................................................
10.00
Debit Card Chargeback for Authorized
Transactions....................................... 35.00
Debit Card Withdrawal fee at ATMs we do not
own............................................ .50
Change personal ID number (PIN) for Debit
Card.......................................... 10.00
The categories of transactions for which an overdraft fee may be
imposed are those by any of the following means: check,
in-person withdrawal, ATM withdrawal, or other electronic means.
Overdraft
check.....................................................................................
$20.00
(maximum of $100)
Non-sufficient funds
each..........................................................................
20.00
Account
research...................................................................................
15.00 hr.
Account Balancing
Assistance..................................................................
15.00 hr.
Stop payments
each.................................................................................
12.00
Photocopies...................................................................................................
.10
Wire Transfers
Outgoing................................................................................................
20.00
Incoming
Non-customer........................................................................
25.00
USDA Forest Service
Wire........................................................................
15.00
Tax Levy
Fee..............................................................................................
25.00
Collection
Fee.............................................................................................
20.00
Passbook
Replacement..................................................................................
5.00
Safe Deposit Box lost
key............................................................................
15.00
Money Orders
Less than
$100.........................................................................................
1.00
$100 -
$500.............................................................................................
1.50
Over
$500................................................................................................
2.00
Regular Checking Account - $1.00 Maintenance Fee and .10 per
check if balance falls below $100 any day of the statement
cycle.
Now and Super Now Checking Account (Both Individual and
Business) - $5.00 Service Charge if the average daily balance
falls below $500.00 during the statement cycle.
Gold Checking Account - $12.00 Service Charge if a $5000.00
average daily balance is not maintained in a related savings or
certificate account.
IMMA - $10.00 Fee if the average daily balance falls below
$2500.00
- $5.00 Fee for each check or draft in excess of 3 or each
withdrawal over 6 per
statement cycle.
Business Checking Account - $2.00 Monthly Maintenance Fee plus
.10 per check/debit item. Credit given is based on the lowest
balance of the account during the month at a rate of .40 per
$100.00. If the earnings credit exceeds the fees, any excess
credit will not be paid.
Corporate Money Market Account - $5.00 Service Charge if average
daily balance for the month goes below $500.00.
