State Bank of Prairie du Rocher, IL, Services 1, Main 618-284-3440, Red Bud 618-282-2265

Free Checking	This account features an affordable opening deposit, and the customer receives monthly statements for convenience in record keeping. Very simple--Very affordable! $100.00 to open account No minimum balances required after initial opening balance No monthly service charges No checks returned with statement 5 free copies of checks per year No overdrafts permitted
Regular Checking	Very affordable with a low opening deposit and minimum balance. Customers receive monthly statements with imaged checks for convenience in keeping accurate records. Special benefits apply for non-profit organizations, students, and persons age 65 and over. Minimum opening balance of $100.00 Minimum balance to avoid fees--A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. This fee will be waived for customers age 65 years and over and for non-profit organizations. Student accounts will have fee waived until designated graduation date. Age limit to open account: 16 years old (with parent); 18 years old without parent on account.
Rewards Checking	Rewards Checking offers customers significant rewards: 3.01% APY on account balances between one cent and $15,000. Balances over $15,000 earn 1.01% APY. * Refunds on ATM fees up to $25 per cycle. ** No monthly fees and no minimum balance. Free online banking and bill pay. Rewards Checking requires a few simple actions each cycle: Make 10 debit card transactions. Receive monthly e-Statements. Set up one direct deposit, automatic payment, or billpay from your account. Annual Percentage Yield (APY) accurate as of 07/01/10. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. *ATM fee refunds up to ($25) per cycle when qualifications are met. If the Rewards Checking account holder does not meet all the criteria during the cycle, he or she will still enjoy a free checking account with free online banking and bill pay, but will not receive the bonus rates of interest or ATM fee refunds for that time period. However, the account holder will still earn 0.10% APY on their free checking balance. There is a $100 minimum balance to open but no minimum to maintain and absolutely no service charge for the Rewards Checking account. Rewards Checking is for personal checking accounts only.
NOW Accounts	Designed for individuals who wish to earn extra money and have the convenience of unlimited check writing. Customers receive monthly statements with imaged checks for their personal records. Minimum balance to open account $1,000.00 Interest paid on all balances Interest compounded monthly on statement cycle. Interest calculated on daily balance. Interest begins to accrue on first business day of deposit. Service charge fee on balances below $1,000.00 is $5.00 assessed on statement cycle. No limit to number of checks written.
Golden Era Club	Checking account designed for customers 50 years of age and older. Members are invited to participate in special activities arranged by the bank such as group travel and informative seminars. Visit our What's New link for scheduled events. Customer will receive a monthly statement with imaged checks. Other features: Opening deposit of $100.00 No minimum balance required on this account with individual having related account of $5,000.00 or more. Discounts on group travel Free personalized in-house design checks (if other style requested, customer pays 50%) 50% Discount on travelers checks. Does not apply to Checks for Two. 50% Discount on money orders Free photocopies (reasonable quantity) Free Notary Service and Signature Guarantee Unlimited check writing Discount of $5.00 on box rental per year (applies to one box only; full price for second box rental). Interest paid on all balances. Service charge fee of $4.00 if the balance of the account falls below $1,000 and no related account with balance of $5,000.
Business Accounts	Simple and uncomplicated. Affordable opening deposit with low minimum balance gives the business customer peace of mind. Inquire about our no-hassle business checking account! Minimum opening balance of $100.00 Minimum balance to avoid fees--A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. Monthly statements and imaged checks are returned to customers.
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	State Bank of Prairie du Rocher
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