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Personal Accounts : Checking
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Disclosures:
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| "KENDALL"
Checking |
Regulation
DD (Truth in Savings) NO MINIMUM BALANCE
REQUIRED. Credits/Deposits: UNLIMITED. Debits/Checks
Transactions: 20 FREE per month ($0.23 per debit/check over
20) {Debit transactions include withdrawal, check paid,
automatic transfer, substitute check, or payment out of the
account}. Statements: Monthly or Semi-Annually. Online
Banking: FREE: includes 5 Free "Billpayer"
transactions ($0.55 per "Billpayer" transaction
over 5) {See Online Banking disclosure (below) for complete
information} Shazam®ATM or Shazam®Chek
card Disclosure &
Bank Approval ($1.25 per month maintenance fee) Shazam®
transactions: FREE from Activity Charges. Monthly
Maintenance Fee: $5.00 (Requires 1 or more Direct Deposits
to the account) OR Monthly Maintenance Fee: $6.00 (If there
are NO Direct Deposits to the account).
“Other Account Information & Terms” (Disclosure) apply. “Account Agreement”
(Disclosure)
will apply.
| "KENDALL"
Checking includes:
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| "Basic"
Checking |
Regulation
DD (Truth in Savings) Credits/Deposits: UNLIMITED.
Debits/Checks Transaction: UNLIMITED. Statements:
Monthly or Semi-Annually. Shazam® ATM or Shazam® Chek
card (Per Shazam® Disclosure & Bank Approval) ($1.25 per
month maintenance fee) Online Banking: ($2.00 per month - NO
"Billpayer" transaction) OR Online Banking PLUS
"Billpayer" ($5.95 per month includes 10 FREE
"Billpayer" transactions {$0.55 per "Billpayer
transaction over 10}). {See Online Banking disclosure
(below) for complete information}. NO MONTHLY MAINTENANCE
CHARGE (if a minimum monthly balance maintained at $300.00
or above. However, if the minimum balance falls below
$300.00 any day during the monthly statement cycle the
maintenance charge is $4.00, and a per item fee of $0.23
will apply and be charged for each credit and debit
transaction {withdrawal, check paid, automatic transfer,
substitute check, or payment out of the account}.
"Other Account Information & Terms” (Disclosure) apply. “Account Agreement”
(Disclosure)
will apply.
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"Basic" Checking includes:
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“60 GOLD” Checking |
Regulation
DD (Truth in Savings)
NO
MAINTENANCE CHARGE
Debits/Checks
Transactions: 20 Free per month
($0.23 per
debit/check over 20)
Deposits/Credits:
UNLIMITED
Shazam®ATM
or Shazam®Chek
card (Per Shazam®
Disclosure & Bank Approval
®Chek
(debit) card merchant signature based
transactions: FREE from Activity Charges
Online Banking
FREE:
includes 5 Free “BillPayer” transactions ($0.55
per ‘Billpayer’ transaction over 5).
{See Online Banking disclosure (below) for complete
information} Earnings
Credit against service charges--based on a“Other
Account Information & Terms” (Disclosure)
apply. “Account Agreement” (Disclosure)
will apply.
The account provides the following additional benefits: FREE
money orders, travelers checks, direct deposit and notary.
50% discount on a 3x5, 5x5, or 3x10 Safety Deposit Box or
the same dollar discount as a 3x10 SDB on any larger size
box.
| “60
GOLD” Checking includes:
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| "Student
101" Checking Account |
Regulation
DD (Truth in Savings)
NO
MINIMUM BALANCE REQUIRED.
NO
MONTHLY MAINTENANCE FEE.
Deposits/Credits:
UNLIMITED Debits/Checks
Transactions: 20 Free per month
($0.23
per debit/check over 20).
Shazam®Chek
(debit) card signature-based
transactions: FREE from Activity Charges. Shazam®ATM
or Shazam®Chek
card
(Per Shazam®Disclosure
& Bank Approval--Special
$1.00@mo. maintenance charge.) Online
Banking: $2.00@
mo. includes 5 FREE “Billpayer”
Transactions ($0.55
per “Billpayer” transaction
over 5). {See
Online Banking disclosure (below) for complete information}
Statements:
Monthly
or Semi-Annually
“Other Account
Information & Terms” (Disclosure)
apply. “Account Agreement” (Disclosure)
will apply.
Account
owner must provide Bank with Date of Birth and Social
Security #
to be eligible for the “Student 101” account.
On student’s 22nd Birthday, this account will
automatically be changed to the “KENDALL”
Checking Account. However, customer may request in person,
writing, fax, e-mail or phone to be place in any other
type of account offered at that time by Kendall State
Bank.
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"Student 101" Checking includes:
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| Super Now Checking (Interest Checking) |
Regulation
DD (Truth in Savings)
This account bears interest-the tiering method, interest rate and annual percentage yield are included in the rate chart. Your interest rate and annual percentage yield may change at our discretion at any time without limitation. You must maintain a minimum monthly balance of $750.00 or an average monthly collected balance of $1,000.00 to avoid a monthly maintenance fee of $10.00. Maintenance charge waived if customer has combined total of $5,000.00 in certificate of deposit or money market account. Debits/Checks
Transactions: 20 Free per month ($0.23 per debit/check over
20) Shazam®
Chek
(debit) card signature-based transactions:
FREE & UNLIMITED. Shazam®ATM
or Shazam®Chek
card
(Per Shazam®
Disclosure & Bank Approval.
Online
Banking: $2.00 per month (No “Billpayer”)
OR
$5.95 per mo. Online Banking plus “Billpayer”
includes
10 FREE “Billpayer” transactions
($0.55 per
“Billpayer” transactions over 10). {See Online Banking disclosure (below) for complete
details} Statements:
Monthly or
Semi-Annually
“Other Account Information & Terms”
(Disclosure) apply. “Account Agreement”
(Disclosure)
will apply. See Deposit
Rates Sheet for current Super NOW Checking Rates.
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Super Now Checking includes:
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| Money Market Checking |
Regulation
DD (Truth in Savings)
This account bears interest-the tiering method, interest rate and annual percentage yield are included in the rate chart. Your interest rate and annual percentage yield may change at our discretion at any time without limitation.
You must maintain a minimum monthly balance of $1000.00 or
an average monthly collected balance of $2000.00 to avoid a
monthly maintenance fee of $10.00. A maximum of six
(6) pre-authorized or automatic or phone transfers from
money market accounts to third parties or other accounts per
month, three (3) may be by check or draft. Excess over
six (6) are $10.00 each. Date check is paid will be
used rather than date on check. Any number of
transfers or withdrawals per month may be made in person or
by mail or messenger. Shazam®ATM
or Shazam®Chek
card
(Per Shazam®Disclosure
& Bank Approval) Online
Banking: $5.95 per
mo. Online Banking plus “Billpayer”
includes 10 FREE “Billpayer” transactions ($0.55
per “Billpayer” transactions over 10)
OR
$2.00
per month (No “Billpayer”)
{See
Online Banking disclosure (below) for complete details}
Statements:
Monthly or Semi-Annually
“Other Account Information & Terms”
(Disclosure) apply. “Account Agreement”
(Disclosure)
will apply. See Deposit
Rates Sheet for current Super NOW Checking Rates.
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Money Market Checking includes:
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