CHECKING ACCOUNTS

Upfront Checking Account

• No monthly service charge if you write less than 25 checks
• Minimum balance to open account is $100.00
• Service charge of $3.00* if more than 25 checks are written during each monthly statement cycle
• A per item fee of $.25* for each debit transaction in excess of 25 during a statement cycle
• Free ATM Deposits and ATM Transfers
• ShazamChek transactions free
• No annual fee for ATM or ShazamChek cards
• 4 Free ATM withdrawals per statement cycle, after the account exceeds four free, you will be charged $1.00* each (for withdrawal 5-10 per statement cycle) and $1.25* each for (for withdrawals 11 or more per statement cycle)
• The above fees will not apply to religious, charitable, or fraternal organizations, public bodies, fiduciaries, individuals 62 or older, and minors under age 18.

Thrift Checking Account

• Minimum balance to open account is $100.00
• Service charge of $6.00 will be charge each monthly statement cycle
• $3.00 off any check order
• Bank Money Orders issued at no additional fee
• Free ATM Deposits and ATM Transfers
• ShazamChek transactions free
• No annual fee for ATM or ShazamChek cards
• 4 Free ATM withdrawals per statement cycle, after the account exceeds four free, you will be charged $1.00* each (for withdrawal 5-10 per statement cycle) and $1.25* each for (for withdrawals 11 or more per statement cycle)
• Free notary service

Ultimate Checking Account

• Minimum balance to open account is $100.00
• Monthly service charge $7.00* per statement for an individual account or $8.00* per statement for a joint account
• Interest bearing account (Call Bank for rates)
• Free Ultimate wallet or duplicate style checks
• $10,000 Accidental Death & Dismemberment insurance
• Bank Money orders all issued at no additional fee
• Free notary service
• Free ATM Deposits and ATM Transfers
• No annual fee for ATM or ShazamChek cards
• ShazamChek transactions free
• 4 Free ATM withdrawals per statement cycle, after the account exceeds four free, you will be charged $1.00* each (for withdrawal 5-10 per statement cycle) and $1.25* each for (for withdrawals 11 or more per statement cycle)

Banclub Checking Account - Interest Bearing

Must be at least 55 years old and maintain $5,000.00 or more on deposit (in CDs, Savings, or checking) at Palo Savings Bank to qualify for this account.

• Interest bearing account (Call Bank for rates)
• No minimum balance in this account
• Service charge of $7.00* will be imposed each monthly statement cycle if the average daily balance for the statement cycle falls below $1,000.00
• A per item fee of $.25* will be charged for each debit transaction. This fee will not apply if you maintain an average daily balance of $1,000.00.
• Free personalized checks
• Free account reconciliation
• Free photocopies
• Free notary service
• Bank Money orders all issued at no additional fee

Checking with Interest Account

• Minimum balance to open account is $100.00
• Interest bearing account (Call Bank for rates)
• A service charge of $7.00* will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.
• A per item fee of $.25* will be charged for each debit transaction. This fee will not apply if you maintain the average daily balance of $1,000.00 during the monthly statement cycle.
• Free notary service
• Bank Money orders issued at no additional fee
• Free ATM Deposits and ATM Transfers
• ShazamChek transactions free
• No annual fee for ATM or ShazamChek cards
• 4 Free ATM withdrawals per statement cycle, after the account exceeds four free, you will be charged 1.00* each (for withdrawal 5-10 per statement cycle) and $1.25* each for (for withdrawals 11 or more per statement cycle)

*Iowa state sales tax will be assessed to this fee.