Supernow Checking Disclosure

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CURRENT AS OF: 8/19/2010

 

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

Common Features

 

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.