Supernow Checking Disclosure
Last Updated 22 March 2011
DISCLOSURE OF FEES AND ACCOUNT TERMS FOR
SUPER NOW CHECKING ACCOUNTSAT
THE STATE BANK OF HILDRETH, Hildreth, Nebraska
INQUIRIES, CALL: (308)938-2155
Member FDIC
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of Rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account monthly.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items(for example, checks).
Effect of closing an account - If you close your account before interest is credited, you will not recieve accrued interest.
Fees:
A per item fee of $.25 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of 10 during a statement cycle.