Overview
Deposit services are usually taken for granted in this age of banking
competition. We believe, however, that this product is at the core of
banking and meeting customer needs. We pride ourselves on accurate
service, competitive rates, and personal attention to your account.
Personal
Checking
Our regular checking account requires no minimum balance, assesses no
monthly fees, and no per check charge. Our checking account is totally
free.
Interest Bearing Checking
Call or
email for
details. 815.777.6300
 Savings
Account
We believe that small savers should receive a competitive interest
rate also, so our Savings Account pays a very attractive interest
rate. There is no minimum balance required to earn interest.
Direct Deposit
We
offer automatic transfer of funds at no additional charge.
Certificates
of Deposit
We offer a wide range of terms on our Certificates, and all pay highly
competitive rates of interest. Interest can be paid by adding it back
onto the certificate, transferred to another account or paid by check.
IRA
Accounts
We offer IRA's that may have various tax benefits for customers. The
range of investments available for your IRA are very comprehensive and
flexible for every age, investment objective and risk tolerance.
ATM
and Debit Cards
Although we offer free checking, many customers appreciate the
convenience of using their VISA Check Card to pay for purchases. The
amount is taken directly from your Checking Account and reflected on
your Checking Account statement. We also offer the traditional ATM
card that allows you to get cash at hundreds of locations nationwide.
24-hour
Access Banking
When you can't get to the Bank during normal hours, we offer 24 Hour
Telephone Banking that can give you account information, transaction
summaries, interest rates on deposits, loan payment projections and
transfer of funds to/from accounts.
Lockbox
and Night Depository
We offer a selection of Safety Deposit boxes for storing your
valuables, and conveniently located Night Depository for after-hours
banking.
Community
Club
Persons age 50 or better who maintain a $5000 deposit relationship
with Apple River State Bank or First Community Bank of Galena are eligible to receive many additional
benefits, for example:
- Enhanced Interest Rate on Now
Account
- Free checks
- Free ATM or Debit Card
- Reduced rate on yearly safety
deposit box fee
- Bonus rate on new deposit
Certificates of Deposit
- Free cashier checks and money orders
- Free travelers checks
- Newsletter
- Social opportunities like seminars,
trips, card parties and bingo
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