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| | Consumer Accounts | | Regular Checking | - Account Maintenance Fee and Activity Fee waived for minimum daily balance of $500.
- Account Maintenance Fee if balance is between $200.00 and $499.99 = $3 and Activity Fee in excess of 15 debits = $ .10 per debit.
- Account Maintenance Fee if balance is below $200.00 = $7 and Activity Fee in excess of 15 debits = $ .10 per debit.
- ATM/Debit card available.
- Imaged account statement / checks.
| | Interest Checking (NOW) | - Account Maintenance Fee and Activity Fee waived for minimum daily balance of $750.
- Account Maintenance Fee if balance drops below $750 = $7.50 and Activity Fee in excess of 20 debits = $ .10 per debit.
- ATM/Debit card available.
- Imaged account statement / checks.
| | Interest Checking (Senior Preferred Account) | - Qualifications = 60+ years of age, retired, receive direct deposit
- Minimum Daily Balance to obtain disclosed annual percentage yield = $500.00
- No Maintenance Fee
- Activity Fee in excess of 15 debits = $ .25
- ATM/Debit card available.
- Basic checks free.
- Imaged account statement / checks.
| | Student Account | - Qualification = full time student
- Activity Fee in excess of 20 debits = $ .10 per debit
- Free money orders and travelers checks
- Free basic checks
- ATM/Debit card available.
- Imaged account statement / checks.
| | Interest Checking (Money Market) | - $2,500.00 to open
- Account Maintenance Fee if balance drops below $2,500.00 = $10.00
- 6 withdrawals (preauthorized, automatic, online transfer, telephone transfer, check, draft, or debit card) are allowed per statement cycle.
- Activity Fee for excess transactions = $7.00.
- Unlimited withdrawals can be made at the teller window, ATM, or by mail.
- ATM/Debit card available.
- Imaged account statement / checks
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| Savings Accounts | - Account Maintenance Fee if balance is below $100.00 = $2.00
- No Maintenance Fee for full time students and minors.
- Activity Fee in excess of 2 debits per month = $2.00 per debit.
- ATM card available.
- Interest paid quarterly.
- Quarterly statements.
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| Certificates of Deposit | - 30 days to 4 year terms
- Minimum amount to open is $1,000.00
- Fixed rates – determined by length of time of CD
- Interest paid monthly
- Earning may be compounded, distributed by check, or transferred to an account
- Early withdrawal penalties may apply
- May not deposit to account before maturity
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| IRAs
| - Roth and Traditional IRAs available
- Minimum amount to open is $100.00
- Minimum deposit is $25.00
- Fixed or variable rates available
- No maintenances fees, early withdrawal penalties may apply
- Check with tax advisor for all income tax details
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| Personal Loans | - Medina Valley State Bank offers a wide array of personal loan products including auto and real estate loans that will be sure to satisfy your needs. To inquire about which loan product is right for you, drop by our main office in Devine to speak with a loan officer. We hope to hear from you soon!
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| Schedule of Fees and Charges | - Bank Money Order and Cashier Check Fees
- $1.00 - $5,000.00 = $2.00
- Over $5,000.00 = $5.00
- Personal Money Order Fee = $1.00
- Replace ATM Card = $7.50
- Non-Sufficient Funds each item (NSF) = $25.00
- Stop Payment = $15.00
- Collection Fee (outgoing) = $5.00
- Deposited checks (and other items) returned unpaid = $2.00
- Garnishments/Executions/Levies = $25.00 plus legal fees incurred
- Account Research per hour (1 hr minimum) = $25.00 + $1.00 per copy
- Account Balancing Assistance per hour (1hr minimum) = $25.00
- Items returned and recleared = $2.00 each
- Account inquiries in excess of 3 per cycle = $2.00
- Photocopies = Customer $.15 Non-Customer = $.25
- Fax – outgoing = $7.50 pages 1-3 Each additional page = $.50
- Fax – incoming = $2.00 pages 1-3 Each additional page = $.50
- Travelers Checks - Single Signature = 1%
- Travelers Checks – Dual Signatures = 1.5%
- Wire Transfers
- Outgoing = $20.00
- International Transfer plus other bank charges = $20.00
- Visa Gift Card = $2.50
- Safe Deposit Boxes
- Key Deposit (one time) = $10.00
- Annual Rental Fees =
3 x 5 - $15.00
4 x 5 - $20.00
4 x 10 - $30.00
5 x 10 - $37.50
10 x 10 - $75.00
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Equal Housing Lender