TXT Alerts

Products



Deposit Products


Regular Checking   |   E-Checking   |   Now Accounts
Money Market Account   |  Platiunm Money Market   | Savings Account   |   Business Checking
Amistad Simple (Business)   |   Friendship Club & Club 55   |   Amigo Checking

Loan Products


Consumer   |   Commercial
Commercial Real Estate   |   Residential Real Estate




Regular Checking
  • Minimum deposit to open $50.00
  • Service charges if account balance falls below $500.00
    • $7.50 = $0 - $299.99
    • $6.50 = $300 - $399.99
    • $5.50 = $400 - $499.99
  • Unlimited check writing
  • Images of canceled checks
  • No monthly service charge will be imposed to full time students, senior citizens (62 years or older) or military personnel.
  • “Bill Pay” - First six (6) transactions at no charge. For each transaction in excess of six (6), the charge is $0.65.






E-Checking
  • Minimum deposit to open $50.00
  • A service charge of $5.50 imposed every statement cycle if balance falls below $200.00 on any day of the statement cycle.
  • Unlimited check writing
  • No images of canceled checks
  • E-statements only
  • You will receive an email each month alerting you that your E-Statement is ready for viewing. If an account holder does not sign up for E-Statements, a $10 fee will be assessed to the account each time a paper statement is mailed
  • “Bill Pay” - First six (6) transactions at no charge. For each transaction in excess of six (6), the charge is $0.65.






Now Account
  • Minimum deposit $1,000.00
  • Posted rate contact Customer Service Representative
  • $10.00 service charge imposed every statement cycle if balance falls below $1000.00 on any day of the statement cycle
  • If the account is closed before interest is credited, you will not receive the accrued interest.






Money Market
  • Minimum deposit $2,500.00
  • $10.00 service charge imposed every statement cycle if balance falls below $2,500.00 on any day of the statement cycle
  • 6 debits per statement cycle
  • $7.50 fee for each withdrawal in excess of six per statement Cycle
  • Posted rate contact Customer Service Representative
  • If the account is closed before interest is credited, you will not receive the accrued interest.






Platinum Money Market
  • High Yielding Tiered Money Market account available up to $250,000.00
  • Maximum relationship limitation of $1,000,000.00 (see account representative for further details)
  • Minimum deposit $25,000.00 to open and receive disclosed Annual Percentage Yield (APY)
  • $35.00 service charge is balance falls below $25,000.00
  • Six (6) withdrawals per statement cycle. Transfer and withdrawals made in person, by messenger, or by mail are unlimited.
  • $7.50 fee for each withdrawal in excess of six (6) per statement cycle.







Savings Account

  • Minimum deposit to open $50.00
  • A quarterly service charge of $9.00 if primary owner's consumer checking and savings accounts fall below $200.00 on any day of the statement cycle.
  • Posted rate contact Customer Service Representative
  • You may make six (6) transfers from your account each statement cycle. Transfer and withdrawals made in person, by messenger, or by mail are unlimited.
  • $2.00 fee for each withdrawal in excess of six per statement cycle
  • Not eligible for “bill pay”
  • If the account is closed before interest is credited, you will not receive the accrued interest.






Business Checking
  • Minimum deposit to open $100.00
  • A service charge of $9.50 imposed every statement cycle if balance falls below $1,500.00 on any day of the statement cycle
  • First 175 transactions free per statement cycle
  • $0.25 fee for each additional transaction in excess of 175 per statement cycle
  • Images of canceled checks
  • Unlimited transactions at no charge for “bill pay”






Amistad Simple (Business Account)
  • Minimum deposit to open $100.00
  • A service charge of $6.50 if balance falls below $500.00 on any day of the statement cycle
  • First 100 transactions free of charge per statement cycle
  • $0.25 fee for each additional transaction in excess of 100 per statement cycle
  • Images of canceled checks
  • “Bill Pay” - First six (6) transactions at no charge. For each transaction in excess of six (6), the charge is $0.65.
  • Must receive e-statements






Friendship Club or Club 55
  • Minimum deposit to open $50.00
  • $9.00 monthly service charge for Friendship Club
  • $4.50 monthly service charge for Friendship Club 55 (must be at least 55)
  • No minimum balance required
  • Unlimited check writing
  • Free Personalized Checks (wallet only) for life of account
  • No charge Cashier’s Checks
  • Notary Service
  • Automatic Funds Transfer
  • 24-Hour banking online and/or ATM
  • Prescription drug discounts
  • *** See information booklet for more Membership Benefits ***






Amigo Checking
  • Minimum deposit to open $100.00
  • A service charge of $6.50 imposed every statement cycle if balance falls below $500.00 on any day of the statement cycle.
  • This account is an interest bearing account. Contact a representative for details.
  • Ask a bank representative for more details.






Consumer Loans
  • Car loans
  • Recreational vechicles
  • Savings and CD secured
  • Personal
  • Unsecured
  • Cash value life insurance






Commercial Loans
  • Accounts receivable
  • Inventory financing
  • Business heavy equipment
  • Working capital
  • Marketable securities
  • Government securities
  • Cash value life insurance
  • Savings and CD secured






Commercial Real Estate
  • Spec homes
  • Unimproved lots
  • Raw land
  • Land development
  • Construction loans (non-residential)
  • Improved property purchase
  • Agricultural
  • SBA products (maximum dollar amounts can go higher for special projects)
    • ONLY ACTIVE SBA LENDER IN THIS REGION
    • DESIGNATED SBA EXPRESS LENDER
    • 7a up to 90% guarantee (maximum amount $2 million - up to 25 years on real estate) **
    • 504 Program - 100% debenture (3 parties involved)
      Maximum amount - General - $1.5 million
      Maximum amount - Public Policy - $2 million
      Maximum amount - Manufacturing - $4 million
    • Arc Loan program (maximum amount $35,000 - no interest paid by borrower) ***
    • Express program - 50% guarantee - maximum ammount $350,000)
    ** 7A guarantee of 90% - This is part of the Recovery Act enacted by Congress. This will be in force until funds are no longer available, 75% and 85% guarantees will still be available.
    *** Arc Loan program - is part of the Recovery Act. This will be in force until funds are no longer available.
    SBA loan guarantee fees: part of the Recovery Act, guarantee fees are waived and currently authorized through the end of September, 2010 subject to funds availability.






    Residential Real Estate
    • 1-4 family purchase
    • VA, FHA and convential loans
    • 1-4 family construction
    • Refinance 1-4 family
    • Home equity
    • Home improvements