Account disclosures detailing terms and conditions of specific accounts are available upon request by calling us at any one of our locations. Terms and fees may be changed by us at any time after reasonable notice to you as provided by law.

 

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NO FRILLS CHECKING ACCOUNT

• NO FRILLS CHECKING ACCOUNT
• Minimum balance to open this account is $100.00
• Minimum balance to avoid a fee—if your balance falls below $100.00 on any day in the statement cycle, your account will be subject to a $10.00 ACTIVITY S/C (acct maintenance fee) for that statement cycle.
• Deposit limitations – You may make unlimited deposits into your account
• Additional Terms: Cancelled checks/deposits will not be returned with your monthly statement.
• Children under 18 years old and Senior Citizens 65 years or over are exempt from ACTIVITY S/C (Acct Maintenance fee)
• Visa Check Card available
• Unlimited check writing ability
• ACH deposits and withdrawals
• Internet access to account
• 24 Hour Voice access to account
• Designed for personal accounts

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PERSONAL CHECKING ACCOUNT

• Minimum balance to open this account is $500.00
• Minimum balance to avoid a fee- If your balance falls below $500.00 on any day in the statement cycle, your account will be subject to a $10.00 ACTIVITY S/C ( Acct Maintenance fee ) for that statement cycle.
• Deposit limitations: You may make unlimited deposits to your account.
• Children under 18 years and Senior Citizens 65 years and older are exempted from ACTIVITY S/C (Acct Maintenance fee) upon notification to the bank.
• Unlimited check writing ability
• Monthly statement with check images enclosed
• Visa Check Card available
• ACH deposits and withdrawals
• Internet access to account
• 24 Hour Voice access to account

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SILVER BISON CLUB ACCOUNT

• Minimum balance to open—The minimum balance required to open this account is $500.00
• Deposit limitations- You may make unlimited number of deposits to your account
• Additional Terms: Silver Bison Accounts are for customers under the age of 55. A Club Fee of $10.00, $11.00 or $12.00 will be deducted from your account each month depending on the amount of Accidental Death and Dismemberment Insurance* Selected. See CLUB ACCT ENVELOPE PROVIDED TO YOU FOR BENEFITS IN PLAN.
• Unlimited check writing ability
• Monthly statement with check images enclosed
• Visa Check Card available
• ACH deposits and withdrawals
• Internet access to account
• 24 Hour Voice access to account
• Free 400 wallet club checks
• Accidental Death & Dismemberment Insurance* (*This product is NOT INSURED by the Federal Deposit Insurance Corporation (FDIC))
• Free-Traveler’s Checks for One
• Free-Money Orders
• Free-Notary Service
• Free-Automatic Funds Transfer
• Free-Photocopies
• Free-Stop Payments
• Free-Statement Update Printouts
• Travel & Entertainment Discounts
• Lost Key Return
• Credit Card Protection
• Grocery Coupons
• Designed for Personal Accounts only

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PREFERRED SILVER BISON (CLUB)

• Minimum balance to open- The minimum balance required to open this account is $500.00
• Deposit limitations- You may make an unlimited number of deposits into your account
• Additional terms- The following additional terms apply to this account: Preferred Silver Bison account is for customers 55 years or older. A Club Fee of $6.75, $7.75 or $8.75 will be deducted from your account each month depending on the amount of Accidental Death and Dismemberment Insurance* selected. SEE CLUB ENVELOPE PROVIDED TO YOU FOR BENEFITS IN PLAN.
• Unlimited check writing ability
• Monthly statement with check images enclosed
• Visa Check Card available
• ACH deposits and withdrawals
• Internet access to account
• 24 Hour Voice access to account
• Free 400 wallet club checks
• Accidental Death & Dismemberment Insurance* (*This product is NOT INSURED by the Federal Deposit Insurance Corporation (FDIC)).
• Free-Traveler’s Checks for One
• Free-Money Orders
• Free-Notary Service
• Free-Automatic Funds Transfer
• Free-Photocopies
• Free-Stop Payments
• Free-Statement Update Printouts
• Travel & Entertainment Discounts
• Lost Key Return
• Credit Card Protection
• Grocery Coupons

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NOW ACCOUNT

• Minimum balance required to open this account is $1,500.00
• Minimum balance to obtain the disclosed annual percentage yield- You must maintain a minimum daily balance of $1500.00 in your account each day to obtain the disclosed annual percentage yield.
• Minimum balance to avoid a fee-If your balance falls below $1,500.00 on any day in the statement cycle, your account will be subject to a $15.00 ACTIVITY S/C (ACCT MAINTENANCE FEE) for that statement cycle.
• Deposit Limitations- You may make unlimited deposits into your account.
• Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
• Compounding frequency- Interest will be compounded monthly
• Crediting frequency-Interest will be credited into this account monthly.
• Effect of closing an account- If you close your account before interest is paid, you will not receive the accrued interest.
• Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
• Rate information- At our discretion, we may change the interest rate for this account. The interest rate and the annual percentage yield may change daily.
• Monthly statement with check images enclosed
• Unlimited check writing
• Visa Check Card available
• ACH deposits and withdrawals
• Internet access to account
• 24 Hour Voice access to account
• Designed for individuals, sole proprietorship,
  Unincorporated Non Profit Organizations and Government Units

CHECK OUR RATES

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 SUPER NOW ACCOUNT

• Rate Information-At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change daily.
• Compounding frequency- Interest will be compounded monthly
• Crediting frequency- Interest will be credited into this account monthly
• Effect of closing an account- If you close your account before interest is paid, you will not receive the accrued interest.
• Daily balance computation method- Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
• Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
• Minimum balance to open-The minimum balance to open this account is $2,500.00
• Minimum balance to obtain the disclosed annual percentage yield- You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield.
• Minimum balance to avoid a fee- If your balance falls below $2,500.00 on any day in the month, your account will be subject to a $15.00 ACTIVITY S/C (Acct Maintenance fee) for that month.
• Deposit limitation- You may make an unlimited number of deposits into your account.
• Monthly statement with check images enclosed
• Visa Check Card Available
• ACH deposits and withdrawals
• Internet access to account
• 24 Hour Voice access to account
• Designed for individuals, sole proprietorship,
  Unincorporated Non Profit Organizations and Government Units

CHECK OUR RATES

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PREFERRED INVESTMENT ACCOUNT

• At our discretion, we may change the interest rates for this account. The interest rate(s) and annual percentage yield(s) may change daily.
• Compounding frequency- Interest will be compounded monthly
• Crediting frequency-Interest will be credited into this account monthly.
• Effect of closing an account-If you close your account before interest is paid, you will not receive the accrued interest.
• Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
• Accrual of interest on noncash deposits- Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
• Minimum balance to open-The minimum balance required to open this account is $1,000.00.
• Minimum balance to obtain the disclosed annual percentage yield-You must maintain a minimum daily balance of $1000.00 in your account each day to obtain the disclosed annual percentage yield.
• Minimum balance to avoid a fee- If your balance falls below $1,000.00 on any day in the statement cycle, your account will be subject to a $15.00 ACTIVITY S/C (Acct Maintenance fee) for that statement cycle.
• Deposit limitations- You may make unlimited deposits into your account.
• Withdrawal limitations- a $7.50 MM ACTIVITY CHG for excess withdrawal penalty will be assessed on all withdrawals exceeding limit.
• Limitations on frequency of transfers-Transfers from a Preferred Investment account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month statement cycle with no more that three by check, draft, or similar order to third parties.
• Additional Terms. If transfer or withdrawal limits are exceeded 3 times within a 12 month period, account will be closed and a non-limited transaction checking account will be opened.
• Variable Tier Rate Interest
• Monthly statement with check images enclosed
• ACH deposits and withdrawals
• Internet access to account
• 24 Hour Voice access to account
• Designed for individuals and businesses

CHECK OUR RATES

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SAVINGS ACCOUNTS

• Rate Information- At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change daily
• Compounding frequency-Interest will be compounded quarterly
• Crediting frequency-Interest will be credited into this account quarterly
• Effect of closing an account-If you close your account before interest is paid, you will not receive the accrued interest.
• Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
• Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
• Minimum balance to open- The minimum balance required to open this account is $100.00.
• Minimum balance to obtain the disclosed annual percentage yield -You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.
• Minimum balance to avoid a fee- If your balance falls below $100.00 on any day in the statement cycle, your account will be subject to a $2.50 LOW BALANCE CHARGE for that statement cycle.
• Deposit limitations- You may make unlimited deposits into your account.
• Withdrawal limitations- A $7.50 ACTIVITY SERVICE CHARGE for excess withdrawal penalty will be assessed for each withdrawal over 6 per month.
• Limitations on frequency of transfers-Six withdrawals permitted per month.
• Additional terms- Preauthorized drafts and /or ACH debits are not permitted. Children under 18 years old are exempt from LOW BALANCE CHARGE.
• If transfer or withdrawal limits are exceeded 3 times within a 12 month period, account will be closed and a checking account will be opened.
• ACH deposits
• Internet access to account
• 24 Hour Voice access to account
• Designated for individuals and businesses

CHECK OUR RATES

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CHRISTMAS CLUB SAVINGS

• At our discretion, we may change the interest rate for this account. The interest rate and the annual percentage yield may change daily.
• Compounding frequency- Interest will be compounded annually.
• Crediting frequency-Interest will be credited into this account annually.
• Effect of closing an account-If you close your account before interest is paid, you will not receive the accrued interest.
• Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
• Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items(for example, checks) into your account.
• Minimum balance to avoid a fee-If your balance falls below $25.00 on any day in the statement cycle, your account will be subject to a $15.00 LOW BALANCE CHARGE for that statement cycle.
• Deposit limitations-You may make an unlimited number of deposits into your account.
• Withdrawal limitations-No withdrawals are permitted. A $15.00 ACTIVITY SERVICE CHARGE will be assessed for early withdrawal penalty.
• Withdrawal of interest prior to maturity-The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.
• Additional Terms-The account is a club account. Your account will mature on the 3rd Friday of each October. During the first week of November, you will be mailed a check for the balance of your account. You may reopen your account by making a deposit between November 1st and December 31st.

CHECK OUR RATES

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HEALTH SAVINGS ACCOUNT

• Rate Information- At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change daily.
• Compounding frequency- Interest will be compounded monthly
• Crediting frequency-Interest will be credited into this account monthly
• Effect of closing an account-If you close your account before interest is paid, you will not receive the accrued interest.
• Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
• Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
• Minimum balance to open-The minimum balance required to open this account is $100.00.
• Minimum balance to obtain the disclosed annual percentage yield-You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.
• Minimum balance to avoid a fee-If your balance falls below $100.00 on any day in the statement cycle, your account will be subject to a $2.50 ACTIVITY S/C for that statement cycle.
• Deposit limitations-UNLIMITED DEPOSITS CAN BE MADE UP TO THE AMOUNT ALLOW BY LAW.
• Withdrawal limitations-No more than 1 withdrawal per statement cycle allowed without excess withdrawal penalty. A $7.50 Per Item Charge will be charged on each withdrawal after 1 per statement cycle
• Additional terms- Preauthorized drafts and/or ACH debits are not permitted. Each deposit and/or withdrawal must be made in person.
• If withdrawal limits are exceeded 3 times within a 12 month period, account will be closed and balance of account will be mailed to you in the form of a cashier’s check.

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CERTIFICATE OF DEPOSIT

• Minimum balance to open-The minimum balance required to open this account is $1000.00
• Jumbo Certificate of Deposit available
• Varying terms from 30 days to 48 Months
• Fixed Rates for term purchased
• Automatically renewable with 10 days grace period
• FDIC Insured to $100,000.00
• Early withdrawal penalty applies based on term of CD
• Designated for individuals and businesses

CHECK OUR RATES

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IRA ACCOUNTS

• Traditional IRA minimum balance to open $1,000.00,
  Roth IRA minimum balance to open $500.00
• Interest compounded and paid quarterly
• Quarterly interest notices
• Internet access to account
• 24 hours Voice access to account
• FDIC Insured to $250,000.00
• No administration fees
• Early withdrawal penalty applies based on term of CD
• No early withdrawal penalty for persons 59 ½ or older
• Designated for individuals

CHECK OUR RATES

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LOAN OFFICER CONTACT:

LOAN PRODUCTS AVAILABLE

Buffalo Phone 903-322-4256 Fax 903-322-3384 Centerville Phone 903-536-5601 Fax 903-536-5302

Whitney Phone  254-694-4477  Fax  254-694-5588   Itasca Phone  254-687-2305 Fax  254-687-2755

AGRICULTURE LOANS

• Designed for individual or business
• Purpose: equipment, livestock, lines of credit
• Details: contact our loan officers

BUSINESS LOANS

• Designed for individual or business
• Purpose: equipment, operations, inventory/account receivables
• Details: contact our loan officers

CONSUMER LOANS

• Designed for individual or business
• Purpose: mobile home, automobile, trucks, personal expenses
• Details: contact our loan officers

REAL ESTATE LOANS

• Designed for individual or business
• Purpose: purchase, construction or improvement of real estate
• Home Equity
• Details: contact our loan officers

BANK FEES

COMMON FEATURES
 
Limits and fees-The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

You agree that you will not receive your canceled checks. We will store your canceled checks or copies of them for a reasonable retention period. You may request copies from us in the manner we require.