Online Banking Access

Important Notices

 


Electronic Funds Transfers 

                                                                                                                                   

 Effective July 16, 2014

Changes are bold and underlined

               

Your Rights and Responsibilities

The Electronic Fund Transfers we are capable of handling for consumers are indicated below. Some of your accounts may not have these capabilities. Some of these actions may not be available at all ATM terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

 

Types of Transfers, Frequency and Dollar Limitations

a)  Prearranged Transfers.

  • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s).
  • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s).

b) Telephone Transfers. You may access your account(s) by telephone at 800-315-4636 using a touch tone phone, your account numbers, and personal identification number to:

  • Transfer funds between checking and savings accounts.
  • Transfer funds from lines of credit to checking accounts.
  • Make payments from checking or savings accounts to loan accounts with us.
  • Receive deposit account or loan account information.

c)  ATM Transfers. You may access your account(s) by ATM using your CheckCard Plus or ATM Card and personal identification number to:

  • Make deposits to checking or savings accounts.
  • Receive cash withdrawals from checking accounts. You may withdraw no more than $500 per day using your CheckCard Plus or $300 per day using your ATM Card.
  • Receive cash withdrawals from savings accounts. You may withdraw no more than $500 per day using your CheckCard Plus or $300 per day using your ATM Card.
  • Transfer funds between checking and savings accounts.
  • Receive checking account and savings account information.

d)  Point-Of-Sale Transactions. Using your CheckCard Plus:

  • You may access your checking account to purchase goods (in person, by phone, by computer), pay for services (in person, by phone, by computer), receive cash from a merchant or from a participating financial institution, and do anything that a participating merchant will accept.
  • You may not exceed more than $1,500.00 in transactions per day.

e)  Computer Transfers. You may access your account(s) by computeror web enabled device at www.crossplainsbank.com by using your account numbers, your user code and password to:

  • Transfer funds between checking and savings accounts.
  • Transfer funds from lines of credit to checking or savings accounts.
  • Make payments from checking or savings accounts to loan accounts with us.
  • Make payments from your checking account to any third party.
  • Receive deposit account or loan account information.
  • Transfer funds between your checking account with us and your checking account at another financial institution. Limits may be imposed on the number of transactions and/or the amount of money you can send or receive through this feature. You may view your individual transaction limits when using Transfer Money within Bill Payment.
  • Send money from your checking account with us to a third party's checking account using their name and email address, mobile phone number, or account information. Limits may be imposed on the number of transactions and/or the amount of money you can send or receive through this feature. You may view your individual transaction limits when using Popmoney within Bill Payment.
  • Request money to your checking account with us from a third party’s checking account using their name and email address, or mobile phone number. Limits may be imposed on the number of transactions and/or the amount of money you can request through this feature. You may view your individual transaction limits when using Popmoney within Bill Payment.

f) Mobile  & Tablet Banking Transfers. You may access your account(s) using your web-enabled mobile phone or tablet by application and using your password to:

  • Transfer funds between checking and savings accounts.
  • Transfer funds from lines of credit to checking or savings accounts.
  • Make payments from checking or savings accounts to loan accounts with us.
  • Make payments from your checking account to any third party.
  • Make deposits to your checking or savings accounts by capturing an electronic image of the item with the capture devices (such as a camera on your mobile or tablet device) and submitting the images to us. Limits may be imposed on the amount of the check and/or a daily deposit limit. You may view the limits in the mobile banking terms and conditions.
  • Receive deposit account or loan account information.
  • Send money from your checking account with us to a third party's checking account using their name and email address or mobile phone number. Limits may be imposed on the number of transactions and/or the amount of money you can send or receive through this feature. You may view your individual transaction limits when using Popmoney within Bill Payment. 

You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.

 g)  Electronic Fund Transfer Initiated by Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

  • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
  • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds.

 General Limitations

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

  • Transfers from a money market or savings account to another account or to third parties by check, preauthorized, automatic, telephone or computer transfer, or debit card or similar order are limited to 6 withdrawals per statement period. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Fee:

  • Some electronic transfers have a transaction fee.
  • Please see Account Fees and Options brochure and Truth in Savings form for fees that may apply to your account.

 

ATM Operator/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

Foreign Currency Conversion and International Fees: If you use your card or account for a transaction in a foreign country, the transaction amount will be converted to U.S. currency. Visa will use a currency conversion rate it selects from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. If a transaction is made in a foreign country or with a merchant in a foreign country, you may be charged a fee up to 1% of the transaction amount in U.S. dollars, and you agree to pay this international transaction fee.

Documentation

a) Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using an automated teller machine or point-of-sale terminal. You may not get a receipt if the amount of the transfer is $15 or less.

b)  Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same persons or company, you can call us at the telephone number listed below to find out whether or not the deposit has been made.

c)  In addition,

  • You will get a monthly account statement from us, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

 Preauthorized Payments

a)  Right to Stop Payment Procedures. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call or write us at the telephone number or address listed in this disclosure, at least 3 business days or more before the payment is scheduled to be made. We may require your request in writing and need to receive it within 14 days after you contact us.

b)  Notice of Varying Amounts. If these regular payments vary in amount, you should receive a monthly bill from the debtor at least 10 days before each payment is due. You may choose to get this notice only when the payment differs by more than a certain amount from the previous payment, or when the amount falls outside certain limits that you have set.

c) Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop a payment at least 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Financial Institution's Liability

a) Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions in which we are not liable:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the transfer would go over the credit limit on your overdraft line.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  • There may be other exceptions stated in our agreement with you.

 Confidentiality

We will disclose information to third parties about your account or the transfers you make:

1) where it is necessary for completing transfers; or

2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or

3) in order to comply with government agency or court orders; or

4) as explained in the separate Privacy Disclosure.

Unauthorized Transfers

a) Consumer Liability. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Visa Card Debit. Additional Limits on Liability for CheckCard Plus. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. See Visa Card Addendum at the end of this disclosure.

b)  Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed at the end of this disclosure. You should also call the number or write to the address listed at the end of this disclosure if you believe a transfer has been made using the information from your check without your permission.

 Error Resolution Notice

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1) Tell us your name and account number (if any).

2)  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

3) Tell us the dollar amount of the suspected error.

We may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa transaction or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if involving a Visa transaction or 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

  

Visa Card Addendum

Your Card may be used to conduct transactions on the Visa network ("Visa Transactions") and on the PULSE debit network ("PIN Debit Network Transactions"). When your Card and its PIN are used together in a transaction, the transaction will be a PIN Debit Network Transaction. We have also authorized use of the Card without using a PIN. When your Card is used without a PIN, the transaction may be a PIN Debit Network Transaction or it may be a Visa Transaction.

When your Card is used without its PIN, whether the transaction is a Visa Transaction or PIN Debit Network Transaction is determined based on choices made during the transaction or the choices the merchant makes in processing the transaction.

For example, a Card transaction will be a Visa Transaction if a receipt is signed.  Likewise, if the merchant provides a choice as to whether a transaction is a "credit" transaction or a "debit" transaction, and "credit" is selected and no PIN is provided, the transaction is a Visa transaction.  If a merchant processes Card transactions without obtaining a PIN and does not provide a choice as to whether to process the transaction as a credit or debit transaction or any other options regarding the network to be used for processing the transaction, the transaction may be processed as a Visa Transaction or as a PIN Debit Network Transaction, depending upon the merchant and the merchant's choices.

If a transaction is a PIN Debit Network Transaction and is not a Visa Transaction, the provisions in the Agreement to which this Addendum is attached addressing Visa Transactions, do not apply to the transaction.

 

State Bank of Cross Plains,

1205 Main Street, Cross Plains, WI 53528 (608) 798-3961

Monday - Friday 8:30 a.m. - 5:00 p.m. Excluding Federal holidays

 

7/2014

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STATE BANK OF CROSS PLAINS FUNDS AVAILABILITY

Effective August 1, 2014

Changes are underlined.

YOUR ABILITY TO WITHDRAW FUNDS

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.  Electronic direct deposits will be available on the day we receive the deposit.  Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except for Saturdays, Sundays, and Federal holidays.  If you make a deposit before closing time on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit after closing time or on a day we are not open, we will consider that the deposit was made on the next business day that we are open.

If you make a deposit at an ATM before 6:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit at an ATM after 6:00 P.M. or on a day that we are not open, we will consider that the deposit was made on the next business day that we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account.  Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us.  The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

 LONGER DELAYS MAY APPLY

Case-by-case delays: In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit.  Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit.  The first $200 of your deposits, however, may be available on the first business day. 

If we are not going to make all of the funds from your deposit available to you on the first business day, we will notify you at the time you make your deposit.  We will also tell you when the funds will be available.  If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.     

If you will need the funds from a deposit right away, you should ask us when the funds will be available.    

Safeguard exceptions: In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

**We believe a check you deposit will not be paid.

**You deposit checks totaling more than $5,000 on any one day.

**You re-deposit a check that has been returned unpaid.

**You have overdrawn your account repeatedly in the last six months.

**There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.  They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit.  Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions.  For example, the checks must be payable to you (and you may have to use a special deposit slip).  The excess over $5,000 will be available on the ninth business day after the day of your deposit.  If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.           

Funds from all other check deposits will be available on the fifth business day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES                                                          

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day of your deposit.  This rule does not apply at ATMs that we own or operate. 

All ATMs that we own or operate are identified as our machines. 

8/14

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Account Fees & Options 

                                                                                                                                          

 Effective July 16, 2014

Changes are bold

               

Important Account Information

Safety of your money against loss is an important consideration. All our deposit accounts are FDIC insured.

The Federal Truth in Savings Act requires specific disclosures regarding APY (Annual Percentage Yield), interest payment frequency, advance notice of rate changes, balance calculation methods and relevant fees.

This information is specific to the type of account you open and will be supplied in addition to this brochure.

For more detailed information on any of the accounts listed in this brochure, please contact us.
 

Individual Retirement Accounts

  • Opening balance requirements vary by account.
  • Variety of terms available.
  • Fixed and variable rates available.
  • Tax-favored savings.
  • Rollover assistance available.

Customized terms can be determined to fit your individual needs. Interest is paid at maturity on terms less than 91 days. Penalty for early withdrawal.

Certificate of Deposit

  • Fixed Rate Certificate of Deposit.
  • Fixed interest rate paid on entire balance.
  • Optional automatic renewal at interest rate in effect on maturity date.

Customized terms can be determined to fit your individual needs. Interest is paid at maturity on terms less than 91 days. Penalty for early withdrawal.

Safe Deposit Boxes

For safety and security of important documents and items, we provide safe deposit boxes at our Cross Plains, Middleton, Madison, Mt. Horeb, Oregon, Verona, Waunakee and Black Earth offices. Access is allowed during normal lobby hours for each office. Sizes and availability vary by location.

Safe Deposit Boxes - FEE
3 x 5 = $30.00
5 x 5 = $45.00
3 x 10 = $60.00
5 x 10 = $80.00
10 x 10 = $120.00
Billing Fee = $10.00
Drilling Fee = $275.00
Lost Key Fee = $40.00
Late Fee (60 days overdue) = $20.00

FDIC coverage does not extend to safe deposit boxes.
Seek personal insurance as necessary.

Related Service Charges - Fee

Bank Checks
  Cashiers Check = $5.00
  Money Order = $5.00

Card Services
  CheckCard Plus Debit Card = FREE
  ATM Card = FREE
  Replacement Card = $12.00
  ATM Withdrawal Fee:
    State Bank of Cross Plains ATMs = FREE
    Non-proprietary surcharge-free network ATMs which includes ATM Access & MoneyPass = FREE
    Other Non-proprietary ATMs = $2.50
    This fee does not include surcharges being assessed by ATM owner.
  PIN Reset = FREE

Check Images With Statement = $5.00 / month

Closed Account (within 90 days of opening)
  Checking = $25.00
  Savings = $25.00

Collection Item = $25.00

Counter Check Fee = $0.50 each / Maximum of 5

Deposit Return Item Fee = $10.00

Dormant Account Fee = $5.00 / month
     Checking – If balance falls below $200 and there are no customer initiated debit or credit transactions involving the checking account for 12 months, a dormant account fee will be charged.

    Savings – If balance falls below $200 and there are no customer initiated debit or credit transactions involving the savings account for 30 months, a dormant account fee will be charged.

Foreign Currency Order Fee = $15.00

Garnishment/Levy = $75.00

Individual Retirement Account External Transfer Fee = $50.00

Overdrafts
  Overdraft Fee:
    If you do not have enough funds in your account to cover a transaction, we may choose, at our discretion, to pay the item and charge you an overdraft fee. If overdrawn balance is $10 or less, there will not be a fee assessed.
       Overdraft Fee = $30.00 per item
       Maximum fees per day = $120.00
  Overdraft Fee (Continued Negative Balance):
    Fee assessed on 10th business day = $25.00
    Fee assessed on 15th business day = $25.00
  Returned Item Fee:
    If you do not have enough funds in your account to cover a transaction, we may choose, at our discretion, to return the item and charge you a fee.
       Returned Item Fee = $30.00 per item

Popmoney – accessed through BillPay (fee is reflected in transaction amount)
  Send Money:
    Next Day = $0.50
    3 Day = $0.50
    Instant Pay = $3.00
  Request Money = $0.75


Research
  Account Research = $30.00 / hour
  Account Reconciliation = $30.00 / hour
  Per Statement = $5.00
  Per Item Copy = $2.00

Savings Overdraft Protection = $10.00 per transfer
(transfers in increments of $100.00)

Stop Payments
  Per Check = $30.00
  Series = $35.00
  Permanent Stop Payment = $40.00

Wire Transfer Fees
  Incoming (Domestic or International) = $20.00
  Outgoing (Domestic) = $25.00
  Outgoing (International) = $50.00

Economy Checking
Minimum Opening Balance - None
Minimum balance requirements to avoid fees - None
Fee if minimum requirements not met - None
Other fees (maintaining minimum balance does not waive other fees) - $5.00 monthly fee assessed to accounts without eStatement
Earns interest - No
ATM/debit access - CheckCard Plus debit card
Other requirements/restrictions - None
Additional benefits - eBank!, BillPay, TeleBank 24, eStatement available, Unlimited check writing

Interest Checking
Minimum Opening Balance - None
Minimum balance requirements to avoid fees - $2,500 minimum daily balance or $5,000 minimum daily balance in total deposits
Fee if minimum requirements not met - $11.95 monthly fee and $.30 per debit
Other fees (maintaining minimum balance does not waive other fees) - None
Earns interest - Yes
ATM/debit access - CheckCard Plus debit card
Other requirements/restrictions - None
Additional benefits - eBank!, BillPay, TeleBank 24, eStatement available, Unlimited check writing

ULTIMATE Interest Checking
Minimum Opening Balance - None
Minimum balance requirements to avoid fees - None
Fee if minimum requirements not met - $5.00 monthly fee if eStatement requirement is not met
Other fees (maintaining minimum balance does not waive other fees) - None
Earns interest - Ultimate Interest rate is paid on balances $25,000 or less. Lower rate of interest paid on balances above $25,000 or when requirements are not met.
ATM/debit access - CheckCard Plus debit card
Other requirements/restrictions - Must meet the following requirements each statement cycle: Have at least 16 completed debit card signature purchase transactions, Receive a monthly eStatement, Log on to eBank! at least once.
Additional benefits - BillPay, TeleBank 24, Unlimited check writing

Investment Checking
Minimum Opening Balance - None
Minimum balance requirements to avoid fees - $10,000 minimum daily balance
Fee if minimum requirements not met - $11.95 monthly fee and $1.00 per debit
Other fees (maintaining minimum balance does not waive other fees) - None
Earns interest - Tiered interest rate
ATM/debit access - CheckCard Plus debit card
Other requirements/restrictions - None
Additional benefits - eBank!, BillPay, TeleBank 24, eStatement available, Unlimited check writing

Premium Money Market
Minimum Opening Balance - None
Minimum balance requirements to avoid fees - $2,500 minimum daily balance
Fee if minimum requirements not met - $11.95 monthly fee
Other fees (maintaining minimum balance does not waive other fees) - $4.95 each for every debit over 6 per statement period
Earns interest - Tiered interest rate
ATM/debit access - None
Other requirements/restrictions - Federal Regulations require a limit of up to six withdrawals by check, debit card, preauthorized electronic or telephone transfer per month.
Additional benefits - eBank!, TeleBank 24, eStatement available

Platinum Money Market
Minimum Opening Balance - $25,000
Minimum balance requirements to avoid fees - None
Fee if minimum requirements not met - None
Other fees (maintaining minimum balance does not waive other fees) - $4.95 each for every debit over 3 per statement period
Earns interest - Tiered interest rate. Interest calculated on entire balance if $25,000 or over. No interest will be paid if under minimum daily balance of $25,000.
ATM/debit access - None
Other requirements/restrictions - Federal Regulations require a limit of up to six withdrawals by check, debit card, preauthorized electronic or telephone transfer per month.
Additional benefits - eBank!, TeleBank 24, eStatement available

Health Savings Account
Minimum Opening Balance - $25.00
Minimum balance requirements to avoid fees - $500 minimum daily balance
Fee if minimum requirements not met - $5.00 monthly fee
Other fees (maintaining minimum balance does not waive other fees) - $50 External Transfer
Earns interest - Tiered interest rate
ATM/debit access - CheckCard Plus debit card
Other requirements/restrictions - None
Additional benefits - eBank!, BillPay, TeleBank 24, eStatement available, Unlimited transactions, Internal transfers available through eBank!, Checks available at a charge

Personal Savings
Minimum Opening Balance - None
Minimum balance requirements to avoid fees - $200 minimum daily balance
Fee if minimum requirements not met - Quarterly statement option-$6.00 quarterly service charge, Monthly statement option-$2.00 monthly service charge
Other fees (maintaining minimum balance does not waive other fees) - Quarterly statement option-$2.95 each for every debit over 18 debits per statement period, Monthly statement option - $2.95 each for every debit over 6 debits per statement period
Earns interest - Yes
ATM/debit access - None
Other requirements/restrictions - Federal Regulations require a limit of up to six withdrawals by check, debit card, preauthorized electronic or telephone transfer per month.
Additional benefits - eBank!, TeleBank 24, eStatement available

Junior Savings (under age 18)
Minimum Opening Balance - None
Minimum balance requirements to avoid fees - $25 minimum daily balance
Fee if minimum requirements not met - Quarterly statement option-$3.00 quarterly service charge, Monthly statement option-$1.00 monthly service charge
Other fees (maintaining minimum balance does not waive other fees) - Quarterly statement option-$2.95 each for every debit over 18 debits per statement period, Monthly statement option - $2.95 each for every debit over 6 debits per statement period
Earns interest - Yes
ATM/debit access - None
Other requirements/restrictions - Federal Regulations require a limit of up to six withdrawals by check, debit card, preauthorized electronic or telephone transfer per month.
Additional benefits - eBank!, TeleBank 24, eStatement available

 

State Bank of Cross Plains,

1205 Main Street, Cross Plains, WI 53528 (608) 798-3961

Monday - Friday 8:30 a.m. - 5:00 p.m. Excluding Federal holidays

 

7/2014

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