CHECKING

College Accounts

  • No monthly service charge
  • No fee online banking and bill payments
  • No minimum balance savings account
  • Mastermoney Debit Card available
  • Direct Deposit
  • 24 Hour ATM access
  • 24 Hour Telephone banking available

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Regular Checking

  • Unlimited transactions
  • No minimum balance
  • $5.00 monthly service charge
  • Service charge waived with direct deposit of payroll, pension, social security or large mortgage loan, commercial loan, or qualifying balances in savings, IRA or certificates.

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NOW Checking

  • Unlimited transactions
  • Minimum balance of $500 required
  • Service charge of $7.50 if balance falls below required minimum
  • Interest paid on average monthly balance (see current rates)

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PLUS Checking

  • No minimum balance required, no monthly service charge.
  • Unlimited transactions
  • Available for personal use only ( not for business accounts )
  • Limited to one Plus account per household

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Golden Checking

  • Unlimited transactions
  • $1,000 minimum balance required
  • Interest paid monthly at current rate
  • Free photo copies (up to 10 per month)
  • No fee cashier checks (limit of 2 per month)
  • Free one year rental on small Safe Deposit Box

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Money Market Account

  • Minimum balance requirement of $2,500 to avoid a monthly service charge of $15.00
  • Interest paid monthly at a tiered rate (see current rates)
  • Limitations apply for withdrawals
  • Monthly statements are mailed the first of each month
  • Interest is not paid if account is closed before interest is capitalized

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Overdraft Protection Line of Credit

  • Available on all checking accounts to qualified applicants

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SAVINGS 

Regular Savings

  • Minimum balance of $300 to open and to avoid a monthly service charge of $5.00
  • Minimum balance of $300 required to earn interest (see current rates)
  • Interest paid quarterly
  • Quarterly savings statements provided

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Minor Savings

  • No minimum balance required
  • No monthly service charge if under 18 years of age
  • Interest paid quarterly (at current rates)
  • Quarterly savings statements provided

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Golden Passbook Savings

  • $2,500 minimum balance required
  • Interest paid monthly (see current rates)
  • Monthly statement provided
  • Balances under $2,500 receive Regular Savings rate

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Christmas Club Accounts

  • Minimum to open $5.00
  • Unlimited deposits, any amount allowed
  • Competitive rate of interest paid annually
  • Penalty for early withdrawal

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CERTIFICATES OF DEPOSIT 

  • Available in 90 day, 180 day, 12 month, 18 month, 24 month, 30 month, 36 month and 48 month maturities. (see current rates)
  • Special certificate of deposit (CD) rates and terms offered, call local branch for current specials

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INDIVIDUAL RETIREMENT ACCOUNTS (IRA'S)

We offer a 2 year variable rate IRA, tied to The Wall Street Journal prime rate of interest. Interest is compounded quarterly and rate is variable quarterly. An IRA can be opened with a small amount and deposits may be made up to the maximum allowable by IRS regulations. (see current rates) 

We offer Traditional, Roth, Simple and SEP accounts, as well as Coverdell Education Savings Accounts. Talk to one of our IRA specialists for details. Contact our customer service staff at (877)906-5131.

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HEALTH SAVINGS ACCOUNTS 

We offer Health Savings Accounts (HSA's) for those with high deductible insurance programs. We offer a competitive product with very few fees. Contact our customer service staff at (877)906-5131.

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MASTERCARD DEBIT CARDS AND ATM CARDS

Mastermoney Debit/ATM cards available for most accounts.

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Miners State Bank

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