Personal Banking (Quick
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Business
Banking (Quick
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& Services
Personal Banking (Quick
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Business
Banking (Quick
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FREE
PERSONAL CHECKING
Free personal checking account is a
non-interest bearing account without a minimum balance requirement with on
monthly maintenance fee or per check charges.
Unlimited check writing privileges are permitted.
Cancelled checks and deposits are not returned but will be imaged and
stored for you. MasterCard Debit
Card and ATM Card usage is permitted.
You must deposit $100.00 to open this account.
Six image copies of checks, front and back, will be provided annually
without charge and $3.00 per copy, thereafter.
PERSONAL
CHECKING
Personal checking account is a
non-interest bearing account. Images
of cancelled checks and deposit tickets are returned with your monthly
statement. MasterCard Debit Card
and ATM Card usage is permitted. You
must deposit $100.00 to open this account. A
maintenance fee of $5.00 will be imposed every statement cycle if the daily
balance during the cycle falls below $300.00.
PERSONAL
INTEREST CHECKING
The personal interest checking account
is an interest bearing NOW account. The
interest rate and annual percentage yield may change daily at our discretion.
Interest begins to accrue on the business day you make a deposit.
Interest will be compounded monthly based and credited to your account
each month. We use the daily
balance method to calculate the interest on the account.
This method applies a daily periodic rate to the balance in the balance
in the account each day. If you
closed your account before interest is credited you will receive the accrued
interest. You must maintain a
minimum balance of $1.00 to obtain the disclosed annual percentage yield. You must deposit $100.00 to open this account.
A monthly maintenance fee of $7.50 will be imposed if the balance in the
account falls below $500.00 on any day of the statement cycle.
MasterCard Debit Card and ATM Card usage is permitted.
REGULAR
SAVINGS
The regular savings account is an
interest bearing account that offers competitive rates of interest with the
convenience of immediately availability of funds. The interest rate and annual
percentage yield my change daily at out discretion.
Interest begins to accrue on the business day you make a deposit.
Interest is compounded daily and credited to your account quarterly.
This method applies a daily periodic rate to the balance in the account
each day. If you closed your
account before interest is credited you will
receive the accrued interest. You
must maintain a minimum balance of $10.00 to obtain the disclosed annual
percentage yield. You must deposit
$100.00 to open this account. A quarterly maintenance fee of $3.00 will be
imposed if the balance in the account falls below $100.00 on any day of the
statement cycle. No minimum balance
charge will be assessed for account holders age 23 and under or non-profit
organizations. You may make no more
than six (6) transfers and/or withdrawals during any calendar month to another
of your accounts with us or to a third party by means of pre-authorized or
automatic transfer, or telephone agreement, order or instruction.
No more than three (3) of the six (6) may be made by check, debit card,
or similar order made by you and payable to third parties.
If you make over 9 withdrawals per calendar quarter, a fee of $1.00 per
transaction will be assessed for each additional withdrawal.
CHRISTMAS
CLU
The Christmas club account is a
non-interest bearing savings account that provides for a specific number of
periodic deposits during an eleven month period prior to November 1st
each year. You will receive in lieu
of interest the final payment (deposit) to your account as a bonus in November
after all agreed deposits have been made. To
obtain the bonus, you must maintain your periodic deposits for the agreed number
and amount and in accordance with the agreed schedule. Depositor chooses the amount of periodic deposits.
The account balance is paid our by check in November.
If any withdrawal is made from this account before pay out in November,
the account may be closed. This
account does not have minimum balance requirement or monthly service charge.
MMDA
MONEY MARKET
The MMDA money market account is a
limited-transaction account that earns a money market rate of interest. The interest rate and annual percentage yield my change daily
at out discretion. The interest
rate and annual percentage yield will depend upon the daily balance in the
account as shown on the current rate sheet.
Interest begins to accrue on the business day you make a deposit.
Interest is compounded monthly and credited to your account monthly using
the daily balance method to calculate the interest on the account.
This method applies a daily periodic rate to the balance in the account
each day. If you closed your
account before interest is credited you will receive the accrued interest. You must maintain a minimum balance of $1.00 to obtain the
disclosed annual percentage yield. You must deposit $2,500.00 to open this
account. Withdrawals and transfers
are limited to no more than six (6) during any one (1) calendar month or
statement cycle (the period from one state to the next), to another of your
accounts with us or to a third party by means of a pre-authorized or automatic
transfer, or telephonic agreement, order or instruction.
No more than three (3) of the six (6) may be make by check, draft or
similar order made by you and
payable to third parties. A monthly
maintenance fee of $10.00 will be imposed every statement cycle if the balance
in the account falls below $2,500.00 on any day of the statement cycle.
A per check fee of $1.00 will be charged for each check in excess of
three (3) during a statement cycle.
CERTIFICATES
OF DEPOSIT
Certificates of deposits offer higher
rates of interest in exchange for committing your deposit for a specific time
period. Interest rate are fixed for
the term of the deposit and interest is compounded quarterly.
You can chose to either have the interest credited to your certificate or
to another account with us or with another financial institution. We use the
daily balance method to calculate the interest on the account.
This method applies a daily periodic rate to the balance in the account
each day. A penalty may be imposed
for early withdrawal, however you will receive all accrued interest to date of
withdrawal. We offer certificates
of deposit with a variety of maturity ranges as shown on the current rate sheet.
You must deposit $500.00 to open the account and obtain the annual
percentage rate disclosed.
INDIVIDUAL
RETIRMENT ACCOUNT
An IRA is a personal tax-deferred
retirement plan that allows you to plan for your retirement by making
contributions to high yield investments today.
All of our certificate of deposits are available for your IRA
investments.
PERSONAL
INSTALLMENT LOANS
Personal installment loans allow you to
make major purchases or expenditures and pay for them in affordable monthly
payments. We offer terms that will
meet your needs.
MORTGAGE
LOANS - ADJUSTABLE RATE
An adjustable rate mortgage loan is
made to finance or re-finance real estate and is secured by a lien on your
property. The interest rate and
payments on your loan can adjust periodically, based on market conditions.
MORTGAGE
LOANS - FIXED RATE
A fixed rate mortgage loan is made to
finance or re-finance real estate and is secured by a lien on your property.
The interest rate and payments remain constant through the term of your
loan.
MASTERCARD
DEBIT CARD
The B & L Bank MasterCard Debit Card gives you access to your checking accounts at any
business that accepts MasterCard, worldwide.
It also serves as your ATM card by offering convenient, economical ATM
banking at ATMs displaying the CIRRUS and SHAZAM logos.
XPRESS
BANKING BY PHONE
Free XPRESS BANKING service provides
access to your account information 24 hours a day, 7 days a week from the
convenience of their home or work.
XPRESS
BANKING BY PC
Free personal computer service provides
access to your account information 24 hours a day, 7 days a week from the
convenience of your home or work.
SAFE
DEPOSIT BOXES
A
safe deposit box enables you to store your valuables, important documents and
irreplaceable items in the safety and security of the Bank's vault.
BUSINESS
AND COMMERCIAL CHECKING
A Business/Commercial Checking account is non-interest bearing account available
to corporations, partnerships, individual unincorporated businesses and
associations. Images of cancelled checks and deposit tickets are returned with
your monthly statement. Maintenance
fees and other charges will be designed and tailored to best meet your banking
needs.
REGULAR
SAVINGS
The regular savings account is an interest bearing account that offers
competitive rates of interest with the convenience of immediately availability
of funds. The interest rate and
annual percentage yield my change daily at out discretion.
Interest begins to accrue on the business day you make a deposit.
Interest is compounded daily and credited to your account quarterly.
This method applies a daily periodic rate to the balance in the account
each day. If you closed your
account before interest is credited you will receive the accrued interest.
You must maintain a minimum balance of $10.00 to obtain the disclosed
annual percentage yield. You must
deposit $100.00 to open this account. A quarterly maintenance fee of $3.00 will
be imposed if the balance in the account falls below $100.00 on any day of the
statement cycle. No minimum balance
charge will be assessed for account holders age 23 and under or non-profit
organizations. You may make no more
than six (6) transfers and/or withdrawals during any calendar month to another
of your accounts with us or to a third party by means of pre-authorized or
automatic transfer, or telephone agreement, order or instruction.
No more than three (3) of the six (6) may be made by check, debit card,
or similar order made by you and payable to third parties.
If you make over 9 withdrawals per calendar quarter, a fee of $1.00 per
transaction will be assessed for each additional withdrawal.
MMDA
MONEY MARKET
The MMDA money market account is a
limited-transaction account that earns a money market rate of interest. The interest rate and annual percentage yield my change daily
at out discretion. The interest
rate and annual percentage yield will depend upon the daily balance in the
account as shown on the current rate sheet.
Interest begins to accrue on the business day you make a deposit.
Interest is compounded monthly and credited to your account monthly using
the daily balance method to calculate the interest on the account.
This method applies a daily periodic rate to the balance in the account
each day. If you closed your
account before interest is credited you will receive the accrued interest. You must maintain a minimum balance of $1.00 to obtain the
disclosed annual percentage yield. You
must deposit $2,500.00 to open this account.
Withdrawals and transfers are limited to no more than six (6) during any
one (1) calendar month or statement cycle (the period from one state to the
next), to another of your accounts with us or to a third party by means of a
pre-authorized or automatic transfer, or telephonic agreement, order or
instruction. No more than three (3)
of the six (6) may be make by check, draft or similar order made by you
and payable to third parties. A
monthly maintenance fee of $10.00 will be imposed every statement cycle if the
balance in the account falls below $2,500.00 on any day of the statement cycle.
A per check fee of $1.00 will be charged for each check in excess of
three (3) during a statement cycle.
CERTIFICATES
OF DEPOSIT
Certificates of deposits offer higher rates of interest in exchange for
committing your deposit for a specific time period.
Interest rates are fixed for the term of the deposit and interest is
compounded quarterly. You can chose
to either have the interest credited to your certificate or to another account
with us or with another financial institution. We use the daily balance method
to calculate the interest on the account. This
method applies a daily periodic rate to the balance in the account each day.
A penalty may be imposed for early withdrawal, however you will receive
all accrued interest to date of withdrawal.
We offer certificates of deposit with a variety of maturity ranges as
shown on the current rate sheet. You
must deposit $500.00 to open the account and obtain the annual percentage rate
disclosed.
BUSINESS
INSTALLMENT LOANS
Business installment loans allow you to
make major purchases or expenditures and pay for them in affordable monthly
payments. We offer terms that will
meet your needs. Interest rates can
be fixed or variable.
MORTGAGE
LOANS - ADJUSTABLE RATE
A business adjustable rate mortgage
loan is made to finance or re-finance real estate and is secured by a lien on
your property. The interest rate
and payments on your loan can adjust periodically, based on market conditions.
MORTGAGE
LOANS - FIXED RATE
A business fixed rate mortgage loan is
made to finance or re-finance real estate and is secured by a lien on your
property. The interest rate
and payments remain constant through the term of your loan, which is usually
shorter than the monthly amortization period, and then subject to change.
LINE
OF CREDIT - BUSINESS/FARM
A line of credit allow the
business/farm owner to make major purchases or expenditures without a trip to
the bank. Interest rates can be fixed or variable.
XPRESS
BANKING BY PHONE
Free XPRESS BANKING service provides
access to your account information 24 hours a day, 7 days a week from the
convenience of their home or work.
XPRESS
BANKING BY PC
Free personal computer service provides
access to your account information 24 hours a day, 7 days a week from the
convenience of your home or work.
SAFE
DEPOSIT BOXES
A safe deposit box enables you to store
your valuables, important documents and irreplaceable items in the safety and
security of the Bank's vault.
B & L Bank is here to provide you with helpful information, financial planning tools and choices that allow you to make informed financial decisions.
Personal
Interest Checking
Regular
Savings
MMDA
Money Market
Certificates
of Deposits
Mortgage
Loan Rates
Auto
Loan Rates
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| 205
S. 13th Street Lexington, Mo (660) 259-2247 |
228 S 2nd Street Odessa, Mo (816) 633-4106 | 558
& 224 Hwy Wellington, Mo (816) 934-2641 |
119
E 2nd Street Callao, Mo (660) 768-5511 |
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