Deposits
Checking Accounts
Personal Checking - This is our basic checking account. It is free checking, with a $100 minimum to open.
Prestige Plus Checking - This is our premier checking account. For just $5 per month you get all of these benefits:
- Free checks
- Free cashier's checks
- Prescription & car rental discounts
- 1% earnings on the balance
- And much, much more
Prestige 50 Plus Checking - This is the same as our Prestige Plus Checking, but with a $4 fee and is only available to our patrons who are 50 and over.
Commercial Checking - This is our business checking account. It is free checking, with a $100 minimum to open.
Money Market Checking - This is interest bearing checking. Requires a minimum of $2,500 to open account, and you can make six (6) transfers from your account per statement cycle. $10.00 fee if balance falls below $2,500.
NOW Checking – This is interest bearing checking. Free checking with $1,000 minimum to open. $5.00 fee if the balance falls below $1,000. APY penalty if balance falls below $750.
Super NOW – This is interest bearing checking. Free checking with $5,000 minimum to open. $20.00 fee if the balance falls below $5,000. APY penalty if balance falls below $2,500.
Savings Accounts
Personal Savings - This is our basic savings account that earns interest. (Call any of our locations for current rates.) It is a free account, with a $100 minimum to open.
Christmas Club - This is a separate savings account that earns interest. It has no minimum to open, and checks are distributed annually by the 2nd week of November. No early withdraws are permitted.
CDs / IRAs
| # of Months/Days | APY | Rate |
| 60 Months | 1.41 | 1.40 |
| 48 Months | 1.00 | 1.00 |
| 36 Months | 0.90 | 0.90 |
| 30 Months | 0.80 | 0.80 |
| 24 Months | 0.75 | 0.75 |
| 18 Months | 0.50 | 0.50 |
| 12 Months | 0.35 | 0.35 |
| 182 Days | 0.30 | 0.30 |
| 91 Days | 0.25 | 0.25 |
Certificates of Deposit – This is an interest bearing account. A minimum of $1,000 to open the account. Additional deposits to this account not allowed. Penalty for early withdraw.
IRAs – The Bank of Calhoun County offers both, Traditional & Roth IRAs. Rates are the same as our CD rates. For more information on our IRA’s or any bank product, please contact our Hardin Facility.
We update our rates monthly and often run CD specials. Check back for updates!
Rates subject to change at anytime.
Reserve the right to restrict deposits to our trade area.
Fees
Effective 1/1/2016
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
| Replace Lost ATM/Debit Card | $10.00 | Fax (In/Out) Non-Customer | $5.00 | |
| Re-Issue Pin | $5.00 |
Notary Public |
$2.00 | |
| Personal Pin Select | $5.00 | IRA Transfer from BCC | $25.00 | |
| Hot Card | $15.00 | Wire Transfer Domestic International |
|
|
| Hot Card & Re-Issue | $20.00 | Night Deposit Bag (Locking) | Cost of bag | |
| Check Printing | depends on style of checks ordered | Night Deposit Bag (Zipper) | Free | |
| Cashier's Checks | $1.00/$100 $5.00 max. |
Direct Deposit | Free | |
| Overdraft (Each Item) DDA, Prestige Plus, & Savings | $20.00 |
Dormant Account - DDA | $2.00/mo. | |
| Special Statement Cutoff | $2.00 | Savings Minimum Balance ($25.00) |
$1.00 fee will be charged to the account (one charge per cycle) anytime balance falls below $25.00 |
|
| Account Research | $20.00/hr. | ATM Surcharge Non-Customer |
$2.50 | |
| Secretary of State Sticker | $6.00 |
