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Security Bank of Southwest Missouri

Personal Checking Accounts

Business Checking Accounts

Savings

Certificates of Deposit

IRA's Telephone Banking

ATM's

Miscellaneous Fees

    Miscellaneous Services


      REGULAR CHECKING Customer type is limited to personal.
      Limitations: You must deposit $100.00 to open this account.

      Account Fees: If you maintain a balance of $500.00 or above during the monthly statement cycle, there will not be a service charge fee imposed. If your balance is at least $300.00 on every day of the monthly statement cycle, but falls below the $500.00 on any day of the statement cycle we will impose a service charge fee of $5.00 once during the statement cycle. If your balance falls below $300.00 on any day of the monthly statement cycle, we will impose a service charge fee of $7.00 once during the statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.


      SECURITY PLUS CLUB ACCOUNT
      At no cost $10,000.00 Accidental Death and Dismemberment Insurance available upon enrollment for account holder. Customer type is limited to personal. Unlimited check writing privileges with no minimum balance requirements. There are no service charge fees for the following: Money Orders, Cashier's Checks, Traveler's Checks, Notary Service and personalized checks (in-house Bank checks wallet style).

      Limitations: You must deposit $100.00 to open this account.

      Account Fees: You will be charged a $10.00 per month service charge on this account. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.



      THE ULTIMATE ACCOUNT
      This account is designed for those who do electronic transactions for a minimal cost while still having the option of check writing. A Security Bank ATM/Debit Card will be issued with this account. All electronic transactions will be processed at no charge.

      Limitations: You must deposit $100.00 to open this account.

      Account Fees: Transactions made by check will be assessed at $0.25 per item, which will be deducted from your account balance. A monthly statement will be sent on this account which carries a $2.00 statement preparation fee if you receive your statement electronically.  If you choose to receive a paper statement the monthly fee is $4.00. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.


      SENIOR SECURITY ACCOUNT
      This account is for customers 55 years of age and over.  There are no service charge fees for the following: Money Orders, Cashier's Checks, Traveler's Checks, Notary Service and personalized checks (in-house Bank checks wallet style).


      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

      Balance Information: We use the daily balance method to calculate the interest on the account.. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $100.00 to open this account. You must be 55 years of age and over to be eligible for this account.

      Account Fees: There will be a $5.00 service charge if your balance falls below $300.00 on any day of the monthly statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.


      NOW ACCOUNT
      Customer type is limited to personal.

      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $750.00 to open this account.

      Account Fees: There will be a service charge of $7.50 if your balance falls below $750.00 any day of the monthly statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.


      MONEY MARKET ACCOUNT
      Customer types allowed include Personal, Unincorporated Assn., Estate, Fiduciary & Personal Trust.

      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account.

      Account Fees: There will be a $10.00 service charge if the balance in your account falls below $1000.00 at any time during the statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.


      BUSINESS ACCOUNT


      Limitations: You must deposit $500.00 to open this account.

      Account Fees: The monthly service charge is $5.00. There is a $.10 per debit item and a $.06 per deposit item charge for this account. An earnings credit based on the current savings rate for the collected balance will offset the service charge. All deposited items will be given a one day float factor. If your earnings credit is not sufficient to offset the account charges, the difference will be deducted from the account. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.


      BUSINESS NOW ACCOUNTS
      Customer types allowed are individuals, sole proprietorships, trusts, non profit entities and government entities. Those businesses prohibited are corporations, partnerships, associations and credit unions.

      Limitations: You must deposit $1000.00 to open this account.

      Account Fees: There will be a maintenance charge and item charge while paying interest for the balance you carry in your account. The monthly maintenance fee is $15.00. There is a $.10 per debit item and a $.06 per deposit item charge for this account.

      Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. All items deposited will be given a one day float factor to compute the collected balance. You will receive interest on the collected balance. The interest rate will be adjusted weekly and is 60% of the 90 day treasury bill rate as posted in the Wall Street Journal. Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.


      PREMIUM BUSINESS NOW ACCOUNT
      Customer types allowed include individuals, sole proprietorships, trusts, non profit entities and government entities. Those business prohibited are corporations, partnerships, associations and credit unions.

      Limitations: You must deposit $1000.00 to open this account.

      Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. All items deposited will be given a one day float factor to compute the collected balance. You will receive interest on the collected balance. The interest rate will be adjusted weekly and is 80% of the 90 day treasury bill rate as posted in the Wall Street Journal. Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

      Account Fees: There will be a maintenance charge and item charge while paying interest for the balance you carry in your account. The monthly maintenance fee is $30.00. There is a $.10 per debit item and a $.06 per deposit item charge for this account.


      STATEMENT SAVINGS
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $100.00 to open this account. No more than six transfers can be made to another account or to 3rd parties by pre-authorized, automatic or telephone tranfers per month. No withdrawals by checks, drafts or similar orders to 3rd parties are allowed.

      Account Fees: If your balance falls below $100.00 on any day of the quarterly statement cycle, a service charge of $5.00 will be imposed. A service charge fee of $.50 per withdrawal will be imposed in excess of nine withdrawals per statement cycle. Other fees may be charged on your quarterly statement, see the fee schedule for additional disclosures.


      JUNIOR SAVERS
      This account is available to persons under 18 years of age. Parents or Grandparents are required to be custodian. Requires all wihtdrawals to be made in person by Authorized Custodian.

      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you make a deposit. Interest will be compounded daily and will be credited to the account semi-annually. If the account is closed before interest is credited you will not receive the accrued interest.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $25.00 to open this account. No withdrawals by checks, drafts, or similar orders to 3rd parties are allowed. Other fees may be charged on your semi-annual statement, see fee schedule for additional disclosures.

      Account Fees: A service charge fee of $.50 per withdrawal will be imposed in excess of six withdrawals per statement cycle. Other fees may be charged on your semi-annual statement, see the fee schedule for additional disclosures.



      6 MONTH CERTIFICATE OF DEPOSIT
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

      Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

      Time Account Information: Your account will mature in 6 months. If you withdraw any of the principal before the maturity date we may impose a penalty of three months' interest on the amount withdrawn for time deposits with an original maturity of one year or less. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.


      ONE YEAR CERTIFICATE OF DEPOSIT
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

      Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

      Time Account Information: Your account will mature in 12 months. If you withdraw any of the principal before the maturity date we may impose a penalty of three months' interest on the amount withdrawn for time deposits with an original maturity of one year or less. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.


      2 YEAR CERTIFICATE OF DEPOSIT
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

      Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

      Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date we may impose a penalty of six months' interest on the amount withdrawn for time deposits with an original maturity over one year thru three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.


      3 YEAR CERTIFICATE OF DEPOSIT
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

      Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

      Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date we may impose a penalty of six months' interest on the amount withdrawn for time deposits with an original maturity over one year thru three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.


      4 YEAR CERTIFICATE OF DEPOSIT
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

      Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

      Time Account Information: Your account will mature in 48 months. If you withdraw any of the principal before the maturity date we may impose a penalty of twelve months' interest on the amount withdrawn for time deposits with an original maturity exceeding three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.


      5 YEAR CERTIFICATE OF DEPOSIT
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

      Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

      Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date we may impose a penalty of twelve months' interest on the amount withdrawn for time deposits with an original maturity exceeding three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.


      MARK TO MARKET CERTIFICATE OF DEPOSIT
      Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

      Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

      Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

      Time Account Information: Your account will mature in 3 years. If you withdraw any of the principal before the maturity date we may impose a penalty of six months' interest on the amount withdrawn for time deposits with an original maturity over one year thru three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. The Mark to Market CD offers a one time modification feature. During the term of the CD you are allowed to rewrite your CD to any other current interest rate and term being offered by the bank. When exercising this modification option the Mark to Market CD is not subject to an early withdrawal penalty.



      IRA's

      IRA's are offered under the same maturities and interest rates as Certificates of Deposit.



      Telephone Banking

      24 HOUR Customer Service Lines

      417-847-2265 OR 417-847-BANK
      The following Options are available while using the 24 hour telephone inquiry:

      Checking Account Information
      Account Balance
      Date and Amount of Last Deposit
      Interest Information
      Specific Check Number Inquiry
      Transaction Inquiry

      Savings Account Information
      Account Balance
      Date of Last Deposit
      Interest Information

      Certificate of Deposit Information
      Account Balance
      Next Interest Due Date and Amount
      Interest Information
      Maturity Information

      Loan Information
      Payment Dates and Amounts
      Interest Information
      Maturity Date
      Account Balance
      Payoff Information




      MISCELLANEOUS FEES

      The following fees apply to all of your accounts with us:

      3 Check Images From Previous 2 Statements----Free

      Account Research & Checkbook Reconciliation---$5.00 min; $25.00/hour & $.25/copy

      ATM/Debit Cards - Replacement Card ---$10.00

      ATM/Debit Cards - Replacement Pin ---$5.00

      ATM Withdrawal at Non-Proprietary Terminal ---$1.00

      ATM Balance Inquiry at Non-Proprietary Terminal ---$.50

      ATM Transfer of Funds at Non-Proprietary Terminal --- $.50

      Bank Generated Debits (Verification of Customer Records)---$10.00

      Bank Generated Debits (Automatic Transfers)---$1.00

      Bank Generated Debits (Deposit Return Item Charge)---$2.00

      Bank Generated Debits (Garnishments)---Greater of 2% or $8.00

      Bank Generated Debits (Tax Levies)---$20.00

      Bank Generated Debits (Telephone Transfers Less than $500.00)---$2.00

      Cashier's Check---$15.00

      Check Cashing (up to $1000.00)---$5.00

      Check Cashing (Over $1000.00)---1% of Check Amount

      Check Cashing (Phone Verification)---$5.00 Plus Check Cashing Charge

      Coin Counting (Non-Customer)-Mixed Coins---$.50/Per 100 Coins

      Coin Counting (Non-Customer)-Single Coins---$.10/per 100 Coins

      Collection Fee (Non Cash Items)---$10.00

      Collection Fee (Photocopies)---$.25

      Collection Fee (Safekeeping Note Payments)---$125.00 Per Year

      Deposit Item Return Charge---$2.00

      Dormant Account Statement (Monthly Maintenance Charge)---$10.00

      Fax Service (Receive)---$1.00 Per Page

      Fax Service (Transmit)---$2.50 Plus $1.00 Per Page

      Monthly Amoritization Schedule---$10.00

      Notary Service---$2.00

      Official Check---$2.00 Minimum/$5.00 Maximum/$.50 per $100.00

      Overdraft Charge---$15.00

      Personal Money Orders---$1.00

      Personalized Checks---Price Varies

      Record Retrieval (Archived Records)---$10.00 Minimum; $25.00/hour; $.25/copy

      Record Retrieval (Printout of Current Bank Record)---$1.00

      Record Retrieval & Transmit of Current Bank Record---$5.00 plus $1.00 per page (Fax or Otherwise)

      Return Check Charge---$15.00

      Safe Deposit Box (3 X 10)---$20.00 Annually

      Safe Deposit Box (3 X 5)---$10.00 Annually

      Safe Deposit Box (5 X 10)---$35.00 Annually

      Safe Deposit Box Forced Entry---$50.00 Minimum

      Safe Deposit Box (Late Payment)---$5.00

      Safe Deposit Box (Lost Keys)---$10.00

      Stop Payment---$10.00

      Telephone Transfers (Less than $500)---$2.00

      Temporary Checks (24 Checks & 4 Deposit Slips)---$2.00

      Wire Transfers (Incoming)---$7.50

      Wire Transfers (Outgoing)---$15.00

      Wire Transfers (International)---$45.00

      The following fees apply to use of Bill Pay services:

      Written Correspondence to "Payee" --- $10.00

      Per Proof of Payment not Necessitated by a Dispute --- $10.00

      Payments Returned Due to Customer Error --- $5.00

      Reinstate fee --- $50.00

      Cancellation Fee --- $10.00

      ACH Return Fee --- $10.00

      Express Mail Correspondence --- $14.95

      Overdraft Fee --- $10.00

      Overnight Fee --- $14.95

      2nd Day Fee --- $9.95

      Charitable Donations --- $1.99

      Gift Pay --- $2.99

      MISCELLANEOUS SERVICES

      1. Internet Banking
      2. Bill Pay
      3. Telephone Banking
      4. ATMs
      5. Shazam Privileged Status ATM Network (3000+ ATMs in 29 states available with no surcharge fee)
      6. Merchant Card Services
      7. Image Statements
      8. Direct Deposit
      9. Direct Debit
      10. Night Depository
      11. Bank by Mail
      12. Stop Payment Orders
      13. Travelers Checks
      14. Wire Transfers
      15. Cashier Checks
      16. Money Orders
      17. Notary
      18. Credit Card Cash Advances
      19. Gift Collectible Coin Sets
      20. Corporate ACH Origination
      21. Accidental Death & Dismemberment Insurance
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