Truth-in-Savings Disclosure
REWARDS CHECKING
Rate information - At our discretion, we may change the interest rates for this account. Tier 1 – An interest rate of 0.25% will be paid only for that portion of your daily balance that is $10,000.00 or more. The annual percentage yield (APY) for this tier will range from 1.00% to 0.25%, depending on the balance in the account. Tier 2 – An interest rate of 0.50% will be paid on the entire portion of your daily balance that is less than $10,000.00. The annual percentage yield (APY) for this tier is 0.50%.
The interest rate(ds) and APY are accurate as of December 1, 2020. If you would like more current rate and yield information, please call us at (573)893-5665. The interest rates and annual percentage yields may change at any time.
Additional Rate Information - THE BANK WILL PAY THE INITIAL INTEREST RATE AS LONG AS QUALIFICATIONS ARE MET. WHEN YOU DO NOT QUALIFY, THE BANK WILL PAY 0.05% ON ALL BALANCES.
Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into this account monthly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and Charges - The following fees and charges apply to this account:
- PAPER STATEMENT: THERE IS A $3.00 FEE TO RECEIVE A PAPER STATEMENT
- REWARDS MONTHLY FEE: THERE IS A $3.95 MONTHLY FEE
- THIS FEE CAN BE REDUCED BY $0.25 FOR EVERY DEBIT CARD PURCHASE.
Additional Terms - The following additional terms apply to this account: EARN OUR HIGHEST CHECKING INTEREST (3) - MUST MEET THESE MINIMUM STATEMENT CYCLE REQUIREMENTS:
- 16 VISA DEBIT CARD PURCHASES THAT POST AND CLEAR (4) ONE DIRECT DEPOSIT THAT POSTS
- RECEIVE YOUR STATEMENTS ELECTRONICALLY (ESTATEMENTS) MEETING REQUIREMENTS PROVIDE FOR INTEREST ON ALL BALANCES:
- 0 - $9999.99
- $10000.00 AND OVER
- NOT MEETING REQUIREMENTS PROVIDE A LOWER RATE ANNUAL PERCENTAGE YIELD IS SUBJECT TO CHANGE
REQUIRES ONLY A $25 DEPOSIT TO OPEN
NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING FREE VISA DEBIT CARD WITH CARD VALET (2)
FREE ELECTRONIC BANKING PACKAGE - INCLUDING ONLINE BANKING, ONLINE BILLPAYMENT, ESTATEMENTS (1), MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS
ATM FEE REIMBURSMENT (5)- USE ANY ATM ANYWHERE AND WE WILL AUTOMATICALLY PAY YOU BACK FOR NON-NETWORK ATM FEES - $20 PER STATEMENT CYCLE MAXIMUM
REWARD CHECKING DISAPPEARING FEE - THE MONTHLY FEE OF $3.95 GETS REDUCED $0.25 FOR EVERY DEBIT CARD PURCHASE. MAKE 16 OR MORE POS PURCHASES THAT POST AND CLEAR DURING THE STATEMENT CYCLE AND THE FEE IS ELIMINATED.
- Paper statements are optional for $3.00 per month.
- Replacement card fee may apply. See bank for details.
- Lower APY applies to balances over $10,000 and when qualifications are not met. See bank for details.
- ATM transactions do not count as Visa Debit Card purchases.
- ATM fee reimbursement limited to $20 per cycle.
IDSECURE CHECKING
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and Charges - The following fees and charges apply to this account:
- IDSECURE CHECKING MONTHLY FEE: THERE IS A $3.95 FEE PER MONTH
- PAPER STATEMENT FEE: THERE IS A $3.00 FEE FOR A PAPER STATEMENT
Additional Terms - The following additional terms apply to this account: FOR CUSTOMERS INTERESTED IN ADDED SECURITY AND BUILDING A BETTER CREDIT SCORE(1)
ONLY REQUIRES A $25 DEPOSIT TO OPEN
NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING FREE VISA DEBIT CARD WITH CARD VALET (4)
FREE ELECTRONIC BANKING PACKAGE - INCLUDING ONLINE BANKING, ONLINE BILL PAYMENT, ESTATEMENTS (3), MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS
SECURITY AND VALUE FEATURES:
- TRIPLE BUREAU CREDIT FILE MONITORING - MONITORS DAILY & ALERTS KEY CHANGES TO EQUIFAX, EXPERIAN AND TRANSUNION WITH ACCESS TO YOUR SCORE & 3-IN-1 CREDIT REPORT. REGISTRATION AND ACTIVATION REQUIRED.
- RESOLUTION SERVICES - TOLL-FREE ACCESS TO DEDICATED FRAUD RECOVERY SPECIALISTS WHO WILL ASSIST YOU IN THE PROCESS TO RECLAIM YOUR IDENTITY.
- UP TO $10,000 IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE (2) - FOR EXPENSES ASSOCIATED TO CLEAR YOUR NAME AND REPAIR CREDIT.
- ONLINE IDENTITY THEFT NEWS CENTER - RESOURCES TO SAFEGUARD YOUR IDENTITY
- TOTAL IDENTITY MONITORING - MONITORING OVER 1,000 NON-CREDIT DATABASES WHERE IDENTITY THEFT COULD BE EVIDENT. REGISTRATION AND ACTIVATION REQUIRED.
- CELLULAR TELEPHONE PROTECTION(5) - RECEIVE UP TO $300 OF REPLACEMENT/ REPAIR COSTS IF YOUR CELL PHONE IS STOLEN OR DAMAGED.
- $10,000 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE POLICY(6) - RECEIVE UP TO $10,000 OF 24-HR. ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE. COVERAGE DIVIDES EQUALLY ON JOINT ACCOUNTS AND REDUCES BY 50% AT AGE 70.
ATM FEE REIMBURSEMENT - USE ANY ATM AND BRING US THE RECEIPT WITHIN 60 DAYS AND WE WILL PAY YOU BACK FOR NON-NETWORK FEES -- $20 PER STATEMENT CYCLE MAXIMUM.
FEES WAIVED FOR FULL-TIME STUDENTS TO AGE 23.
- IDProtect service is a personal identity theft protection service available to account owner(s) and their family.Family includes: Spouse,persons qualifying as domestic partner, and children under 25 years of age and parents(s) who are residents of the same household. IDProtect benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a "signer" or "beneficiary" of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
- Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
- Paper statements are optional for $3.00 per month.
- Replacement card fee may apply. See bank for details.
- Refer to Guide to Benefit for complete detailsof coverage.
- Plateau Insurance Company of Crossville, TN will be our Accidental Death & Dismemberment Insurance Underwriter.
Special Insurance Program Notes: The descriptions herin are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
SENIOR CHECKING
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and Charges - The following fees and charges apply to this account:
- MONTHLY FEE: THERE IS A $3.95 MONTHLY FEE WITH NO REQUIREMENTS FOR DEBIT CARD USAGE
Additional Terms - The following additional terms apply to this account: FOR AGE 50 AND OVER CUSTOMERS ONLY REQUIRES A $25 DEPOSIT TO OPEN
NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING FREE VISA DEBIT CARD WITH CARD VALET
FREE ELECTRONIC BANKING PACKAGE - INCLUDING ONLINE BANKING, ONLINE BILL PAYMENT, ESTATEMENTS, MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS
PAPER STATEMENTS AVAILABLE WITH IMAGES OF YOUR CHECKS
TOLL FREE ACCESS TO A DEDICATED CONSUMER FRAUD RECOVERY SPECIALIST
SMALL BUSINESS CHECKING
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and Charges - The following fees and charges apply to this account:
- EXCEEDING LIMIT: THERE IS A FEE OF $0.35 PER ADDITIONAL TRANSACTION IF IT HAS EXCEEDED THE FREE LIMIT.
Additional Terms - The following additional terms apply to this account: FREE FARMERS BANK OF LOHMAN VISA DEBIT CARD (THIS CARD IS ISSUED BY FARMERS BANK OF LOHMAN PURSUANT TO A LICENSE BY VISA INCORPORATED. VISA IS A REGISTERED TRADEMARK OF VISA INCORPORATED).
FREE ONLINE BANKING AND MOBILE BANKING. (MOBILE CARRIER DATA AND TEXT RATES MAY APPLY. UP TO 200 FREE COMBINED PAPER AND ELECTRONIC TRANSACTIONS
FREE TELE-24-HOUR ACCOUNT INFORMATION
COURTESY OVERDRAFT ( SUBJECT TO THE COURTESY OVERDRAFT POLICY, WHICH IS NOT A CONTRACT OR OBLIGATION OF THE BANK TO PAY OVERDRAFTS CREATED BY CHECK, IN PERSON WITHDRAWAL, ATM WITHDRAWAL, OR OTHER ELECTRONIC MEANS WHEN INSUFFICIENT FUNDS EXIST IN AN ACCOUNT, BUT A METHOD OF MAKING DECISIONS ON PAYING AND RETURNING THESE TRANSACTIONS. OUR REGULAR OVERDRAFT FEE WILL APPLY TO EACH TRANSACTION PAID UNDER THIS POLICY. THE REGULAR OVERDRAFT FEE VARIES BY MARKET. SEE YOUR BANK REPRESENTATIVE FOR THE EXACT FEE AMOUNT. REPAYMENT OF THE OVERDRAFT AMOUNT IS EXPECTED IMMEDIATELY. WHETHER YOUR OVERDRAFTS WILL BE PAID IS DISCRETIONARY AND WE RESERVE THE RIGHT NOT TO PAY. PLEASE SEE THE OVERDRAFT ACCESS POLICY DESCRIPTION AVAILABLE FROM ANY BRANCH OFFICE. THE BANK RESERVES THE RIGHT TO WITHDRAW THIS SERVICE AT ANYTIME.
STARTFRESH CHECKING
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and Charges - The following fees and charges apply to this account:
- PAPER STATEMENT: THERE IS A $3.00 MONTHLY FEE FOR A PRINTED STATEMENT
- START FRESH MONTHLY FEE: THERE IS A $9.95 MONTHLY FEE FOR THIS TYPE OF ACCOUNT. FEE CAN BE REDUCED WITH REGULAR PAYROLL DEPOSIT
Additional Terms - The following additional terms apply to this account: ONLY REQUIRES A $25 DEPOSIT TO OPEN NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING
FREE ELECTRONIC BANKING PACKAGE - INCLUDING ONLINE BANKING, ONLINE BILL PAYMENT, ESTATEMENTS (1), MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS
FREE VISA DEBIT CARD WITH CARD VALET (2)
THERE IS A $3.00 SAVINGS WITH DIRECT DEPOSIT (MINIMUM OF $200.00) - FEE REDUCED TO $6.95 WITH REGULAR DIRECT DEPOSIT
MOBILE CHECK DEPOSIT SERVICE AVAILABLE AFTER 6 MONTHS
ABLE TO QUALIFY FOR ONE OF OUR OTHER GREAT CHECKING PRODUCTS AFTER 18 MONTHS IN GOOD STANDING **
** GOOD STANDING IS DEFINED AS A POSITIVE BALANCE AND NO MORE THAN ONE (1) NSF IN THE LAST SIX MONTHS
- Paper statements are optional for $3.00 per month.
- Replacement card fee may apply. See bank for details.
FBL SAVINGS
Rate information - At our discretion, we may change the interest rate for this account. The interest rate on this account is 0.200% with an annual percentage yield of 0.20%.
The interest rate(s) and annual percentage yield(s) are accurate as of February 27, 2017. If you would like more current rate and yield information, please call us at (573)893-5665. The interest rate and annual percentage yield may change at any time.
Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into this account monthly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Deposit limitations - You may make an unlimited number of deposits into your account.
Limitations on frequency of transfers - During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Additional Terms - The following additional terms apply to this account: EARN A HIGHER RATE WHEN YOU OPEN A SAVINGS ACCOUNT AT THE SAME TIME AS YOUR CHECKING ACCOUNT. ALL IT TAKES IS A $10 MINIMUM TRANSFER FROM CHECKING TO SAVINGS EACH STATEMENT CYCLE.
THE INTEREST RATE FOR YOUR ACCOUNT IS HIGHER WHEN YOU SET UP A MINIMUM OF $10.00 AUTOMATIC RECURRING TRANSFER INTO THE ACCOUNT. THE INTEREST RATE WITH THE RECURRING TRANSFER IS 0.40% WITH AN ANNUAL PERCENTAGE YIELD OF 0.40%.
THE INTEREST RATE WILL DEFAULT TO THE LOWER RATE OF 0.20% IF NO QUALIFYING TRANSFER OCCURS. MUST BE IN CONJUNCTION WITH ONE OF OUR NEW ACCOUNTS