Click on any item or scroll down to see details about our
PRODUCTS & SERVICES

	Checking Accounts
	Saving Accounts
	Certificates of Deposit (CDs)
	Loan Products
	Farm Management
	Trust Services
	Other Services

CHECKING ACCOUNTS   -   Member FDIC

Talk to our Personal Bankers or any bank employee, about the following products.

PERSONAL ACCOUNTS

	No per check charge
	$50.00 minimum to open
	Some service fees may apply
	ATM or Visa® Check Card available
	No monthly fees on certain Student and Senior Accounts
	Accessible 24 hours a day via telephone banking

IN CLUB CHECKING ACCOUNT

	All of the features of our Personal Account plus
	Personalized checks (selection of 4 types) at no charge
	Travel savings
	Additional bank services with no fee; notary, vehicle registration, travelers checks, and more
	$10,000 accidental death life insurance
	Monthly service fee applies
	Click here to link to IN CLUB ACCOUNT online services

NOW Checking Account

	$100.00 minimum to open
	No monthly fee with $500.00 average daily balance
	Earn a competitive interest rate
	NOW rates may be viewed by clicking here

SUPER NOW Checking Account

	$5,000.00 minimum to open
	No monthly fee with $5,000.00 average daily balance
	Earn a competitive interest rate
	SUPER NOW rates may be viewed by clicking here

Money Market Accounts

	$1,000.00 minimum to open
	The higher the balance the greater the return with this tiered account
	Earn competitive interest rates
	Complete access to your money, some restrictions do apply with check writing
	Money Market rates may be viewed by clicking here

Business Checking Account

	$50.00 minimum to open
	No monthly fees

SAVINGS PRODUCTS   -   Member FDIC

Talk to our Personal Bankers or any bank employee, about the following products.

Savings Account

	$50.00 minimum to open
	Passbook or statement savings account
	Direct deposit and automatic withdrawals available
	ATM card available
	Earn a competitive interest rate
	Savings Account rates may be viewed by clicking here

Christmas Club

	$1.00 minimum to open
	Automatic transfer from other accounts available
	Cash for Christmas in October
	Penalty for early withdrawals
	Christmas Club rates may be viewed by clicking here

Individual Retirement Accounts (IRAs)

	$500.00 minimum to open
	Savings grow tax deferred
	IRA rates may be viewed by clicking here

CERTIFICATES OF DEPOSIT (CDs)   -   Member FDIC

Talk to our Personal Bankers or any bank employee, about the following products.

	Certificates of Deposit (CDs)
	$500.00 minimum to open
	Choose the term that fits your needs, 90 days to 5 years
	Earn a competitive interest
	CD rates may be viewed by clicking here

LOANS

Stop in or call Judy Cashmer or Eric Stewart about these lending products and their attractive interest rates and terms.

Personal Loans

	Automobiles
	Boats, Campers, Motorcycles, RV's
	Vacations
	Consolidation
	Reserve Cash Lines

Mortgages

	15, 20 or 30 year fixed rates available for homes
	Adjustable rate loans
	Home equity loans
	Home Mortgage Rates may be viewed by clicking here

Commercial Loans

	Operating Capital
	Inventory
	Equipment
	Land and Buildings
	Leasing Products

Agricultural Loans

	Operating Capital
	Equipment
	Land and Buildings
	Leasing Products

FARM MANAGEMENT

Who:		Larry Evers, Experienced Accredited Farm Manager and Rural Appraiser
What:		Expert advice on the following: 1) Marketing production, timely updates 2) Farm planning, implementation, production practices to maximize profitability 3) Leasing and tenant selection 4) Timely property inspections; timely reports 5) Accounting, cash flows, budgeting 6) Risk management, technology and input evaluation 7) Government farm program analysis and utilizations, conservation practice implementation 8) Complete project supervision 9) Buying/selling property 10) Farmland appraisals
Where:		Livingston, LaSalle, Grundy, McLean, Ford, Kankakee Counties, Illinois
When:		Our department can provide timely expertise needed by today's absentee landowners and farm operators.
Why:		Management of your farm assets requires a fiduciary responsibility to prudently care for the farm while encouraging responsible stewardship.

TRUST DEPARTMENT

We provide sound service and advice on a variety of Trust issues. We can assist you in planning for the future, protect the people you cherish, and preserve your assets.

Services available:

	Estates and Executorships
	Trusts of all types
	Guardianships
	Farm Management and Agency Accounts
	Custodial Services

OTHER SERVICES

	ATM cards
	Visa® check cards
	Savings bonds
	Cashiers checks
	Money orders
	Travelers checks
	Wire transfers
	ACH origination
	Notary Public
	Direct deposit (Social Security, Payroll, etc)
	Illinois License renewal stickers
	Credit card cash advances