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BANK PRODUCTS AND SERVICES
CHECKING ACCOUNTS
HOMETOWN CHECKING
Come “Home” to the Best Checking Account in Town!!!
The checking account that gives you much more than just checking.
Hometown Checking provides a whole host of valuable benefits
and services along with the best checking account in town!
Benefits you’re receive with Hometown Checking include:
· $100 Minimum Balance
·
$7.00 service charge if balance falls below $100 minimum
· First Order of Personalized Checks at No Cost
· Unlimited Checking – no “per-debit” charges
· SHAZAMchek Card at no charge for Hometown Checking Customers
· Interest on Checking – $500 minimum balance required
· Accidental Death Insurance
· Nationwide Discount Book
· Key Ring Protection – your personally registered key ring, helps retrieve
lost keys
· Credit Card Protection
HOMETOWN CHECKING PLUS
Enjoy these extras and receive all the benefits of Hometown Checking with no
Minimum balance required, plus:
· $50 opening deposit required, no minimum balance required thereafter
· Receive all Personalized Check Orders at no additional cost
· SHAZAMchek Card at no charge
· Increased Accidental Death Insurance
· Travel Savings
· $$$ Reward for Savers
· Cashier’s Checks & Money Orders at no issue fee
· Safe Deposit Box – No rental fee for one year (new rentals only)
· No Fee Notary Service
· Photocopy Service at no additional charge (5 copies per visit)
· $5.00 monthly membership dues
HOMETOWN CHECKING 50
If you’re 50 or better, enjoy all the benefits of Hometown Checking Plus with
just a $100.00 minimum balance. $5.00 service charge if balance falls
below $100 minimum.
BASIC CHECKING
No minimum balance
$5.00 monthly service charge
Seniors 62 & over – no service charge
STUDENT CHECKING
$50 opening deposit required, no minimum balance required thereafter
$.05 per Debit
No Monthly Service Charge
NOW CHECKING
$500 minimum balance
$10.00 service charge if balance falls below minimum
$500 minimum deposit required to maintain the Annual Percentage Yield
$.10 per debit over 50 debits
Interest paid monthly
MONEY MARKET CHECKING
$1000 minimum balance
$1000 Opening Balance required to Maintain the Annual Percentage Yield
$10.00 service charge if balance falls below minimum
Interest paid monthly
6 Pre-authorized Transfers per month
PASSBOOK SAVINGS
$50 Minimum balance required. If your account falls below the minimum
balance at any time during a calendar month, a $5.00 service charge will be
accessed for each month the account falls below the minimum balance. Minimum
balance requirement waived for customers 18 years old and younger.
Interest paid quarterly.
6 Pre-authorized Transfers per month.
Contact us at 320-589-3361 or
customerservice@ufmsb.org
for all your deposit needs.
*Warning* Email address
is not a secure address
ATM/MASTERCARD CHECK CARD
SHAZAMchek Card
Our card goes beyond conventional checking. Most checkbooks can only do one thing – checking. Our SHAZAMChek card
does this and much more. SHAZAMChek card gives you a faster, more economical,
more convenient way to buy the products and services you need. That’s because
it allows you to withdraw funds from your checking account without ever having
to write out a check. You can purchase groceries, gas, or anything else wherever MasterCard is
accepted.
Plus, SHAZAMChek card performs all the functions of an ATM card.
It’s the checking-withdrawing funds card all in one.
Contact us at 320-589-3361 or customerservice@ufmsb.org
*Warning* Email address
is not a secure address
OVERDRAFT PROTECTION
Our Overdraft Protection Plan is designed to end checking account overdraft complications and charges.
Overdraft protection means that we’ve approved, in advance, a personal, unsecured loan to balance your account if you should overdraw.
With our plan, you avoid costly overdraft charges and embarrassing delays.
Contact Theresa Dittbenner 320-589-3361 or theresad@ufmsb.org
*Warning* Email address
is not a secure address
BUSINESS ACCOUNTS
REGULAR BUSINESS ACCOUNT
$5.00 monthly service charge
$.10 per check over 50 checks
Deposits/$.07 per check not draw on us
$1.00 credit per $1,000 average available balance
Non-interest bearing
HOMETOWN BUSINESS ACCOUNT
(Sole Proprietor, Government Entities, Non-Profits)
$5.00 monthly service charge
$.10 per check over 50 checks
Deposits/$.07 per check not drawn on us
Interest paid monthly ($500 minimum balance)
Contact us at 320-589-3361 or
customerservice@ufmsb.org
*Warning* Email address
is not a secure address
LOAN PRODUCTS
PERSONAL LOANS
Standard requirements – good equity and credit history.
Loans for:
· Auto
· Boat
· Motorcycle
· Snowmobile
· And More
Contact Laura Lehman @ 320-589-3361
or
laural@ufmsb.org
or Contact Jill Winther @ 320-589-3361
*Warning* Email address is
not a secure address
HOME LOANS
Very competitive rates
Loan approval less than a week
· Conventional – home purchases & refinancing
· Construction
· Construction/Permanent
· Remodeling
Contact Laura Lehman @ 320-589-3361 or laural@ufmsb.org
*Warning* Email address is
not a secure address
AGRICULTURE LOANS
Designed to meet your needs. In addition to doing direct agricultural loans of
all types, we also participate with the USDA in doing FSA Guaranteed Loans, Farmer Mac
Loans, and loans through Rural Finance Authority. We recognize that each producer is
unique. So please contact us today and find out what we can do for you!
· Equipment Loans
· Operating Line of Credit
· Livestock Purchases & Line of Credit
· Ag Real Estate Loans – Our rates are very competitive!
Contact Laura Lehman @ 320-589-3361 or laural@ufmsb.org
*Warning* Email address
is not a secure address
COMMERCIAL LOANS
Designed to meet your needs. In addition to doing direct loans, we also do FSA guaranteed business and industrial loans as well as SBA loans.
We recognize that each producer is unique, So please contact us today and find out what we can do for you!
Loans for:
· Equipment
· Inventory
· Working Capital line of credit
· Real Estate – Our rates are very competitive!
Contact Paul Ersted @ 320-589-3361
or
persted@ufmsb.org
or Contact Laura Lehman @ 320-589-3361 or laural@ufmsb.org
*Warning* Email address
is not a secure address
United Farmers & Merchants
State Bank, P. O. Box 380, Morris, MN 56267 (320)589-3361
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