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Statement Savings

Statement Savings

Minimum opening deposit$1
Minimum balance required to avoid service charge$100
Monthly service charge if your account goes below minimum$1.00
Per-Withdrawal charge if your account goes below minimum$0.25
Exception to service chargesMinors (under the age of 18 upon request)
Free online & mobile bankingYes
Free telephone bankingYes
eStatements providedYes
Easy-to-Balance statementYes
24 hour ATM cash cardYes
ATM fees applyYes
Mobile deposit available*Yes
Earns competitive high yielding variable rate, subject to change at any time
Interest paid is based on collected balances, compounded and credited monthly

Christmas Club Savings

Christmas Club Savings

Minimum opening deposit$1
Minimum balance requiredNone
Planned savings for the Holiday SeasonYes
Flexible periodic payments allowedYes
Check mailed in time for Christmas shoppingYes
Other withdrawalsNot Allowed
Free telephone bankingYes
eStatements providedYes
Easy-to-Balance statementYes
Mobile deposit available*Yes
Earns competitive high yielding variable rate
Interest is credited on the maturity date

Certificates of Deposit

Certificates of Deposit

Benefits
Attractive interest rates based on current market
Fixed interest rate for entire term of the certificate, compounding varies based on product
Maturities of 7 days to 5 years
24 hour account inquiry information
Fees
No service charges
Minimum balance is $1,000
Subject to penalty for early withdrawal
The following penalty may be charged to your certificate of deposit if you withdraw any principal before the maturity date:
(a) For deposits with original maturities of less than one month, the penalty will be the forfeiture of simple interest that could have been earned on the amount withdrawn had the funds remained on deposit until maturity.
(b) For deposits with original maturities of 31 days but less than one year, the penalty will be the forfeiture of the 30 days simple interest on the amount withdrawn.
(c) For deposits with original maturities of one year but less than two years, the penalty will be the forfeiture of 90 days simple interest on the amount withdrawn.
(d) For deposits with original maturities of two years or more, the penalty will be the forfeiture of 180 days simple interest on the amount withdrawn.
If sufficient interest has not accrued at the time of withdrawal, principal will be reduced to the extent necessary to meet the required penalty.
The amount of the penalty will be calculated using the interest rate in effect on your account at the time of withdrawal.
Early withdrawals made because of the death or the judicially declared incompetence of a depositor will not be penalized.
Early withdrawal penalties may not always apply to IRA and Keogh accounts. See your IRA or Keogh account literature for details.

IRA Accounts

IRA Accounts

Benefits
Attractive interest rates based on current market
Compounding varies based on product
Current rates posted in the bank lobby
Tax deferral of earnings
Fees
No service charges
Funds contributed to an IRA may not be withdrawn before the person reaches the age of 59 1/2 years
Subject to penalty for early withdrawal

Health Savings Accounts

Health Savings Accounts

We are pleased to offer Health Savings Accounts (HSA’s) that have been created by Congress to assist in offsetting the burden brought on by rising health care costs by providing an incentive for consumers to pay “first dollar” medical expenses. An HSA is generally available to people currently covered by a high deductible health plan regardless of the type of employment they have. There are tax benefits to utilizing an HSA as well as certain restrictions for which HSA contributions can be used. There are also limits for contributions to an HSA. If you are interested in getting more information or seeing if you qualify to open an HSA, stop in to any of our locations and see a new accounts representative for more information!

Deposit Rates

Rates effective as of 11/16/2017Interest RateAnnual Percentage Yield
Statement Savings.05.05
Christmas Club.10.10
Preferred Checking.05.05
Now Accounts.05.05
Super Now Accounts.05.05
IMMA - $0 - $9,999.99.08.08
IMMA - $10,000 - $24,999.99.12.12
IMMA - $25,000 & Over.20.20
3 Month CD.15.15
6 Month CD.25.25
1 Year CD.35.35
15 Month CD Special.65.65
1 ½ Year CD.45.45
2 Year CD.60.60
29 Month CD Special1.251.25
2 ½ Year CD.65.65
3 Year CD.90.90
42 Month CD Special1.301.30
4 Year CD1.201.20
5 Year CD1.501.50
IRA - Variable1.591.60
IRA - 1 Year.35.35
IRA - 1 ½ Year.45.45
IRA - 2 Year.60.60
IRA - 3 Year.90.90
  • Rates are variable and subject to change at any time.
  • Please contact an employee for further information about applicable fees and terms. Fees may reduce earnings. A substantial interest penalty may be imposed for early withdrawal of all timed deposits.
  • $1,000 minimum deposit required to open Certificates of Deposit. Renewable and Non-Renewable CD’s are available.
  • Variable rates may change after account is opened.
Disclosures that apply to all savings plans:
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance each day.
Interest will be compounded and credited to your account.
If you close your account before interest is credited, you will receive the accrued interest.
Eligibility: customer must not have an unfavorable savings account history.
Disclosures that apply to all certificates of deposit:
Interest begins to accrue no later than the business day we receive your deposit.
We use the daily balance method to calculate the interest on your certificate of deposit. This method applies a daily periodic rate to the principal on the certificate of deposit each day.
If interest compounding occurs during a term of the certificate of deposit, the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
If you close your account before interest is credited, you will receive the accrued interest, less early withdrawal penalties.
For certificates of deposit that will automatically renew at maturity, you will have 10 calendar days after the maturity date to withdraw funds without penalty.
No deposits or withdrawals from this account until maturity.
Stop payment$20.00
Overdraft fee$25.00
NSF - Returned item fee (Overdraft or Returned item fee applies to overdrafts created by a check, an in-person withdrawal, ATM withdrawal or other electronic means)$25.00
Continuing overdraft fee (Accounts overdrawn over 3 consecutive business days will be charged $2 per day for each additional day overdrawn.)$2.00
Statement copies (per copy)$2.00
Check copies (per copy)$2.00
Bookkeeping research (per hour)$25.00
Wire transfers
-Incoming domestic$10.00
-Outgoing domestic$20.00
-Incoming international$20.00
-Outgoing international$45.00
Incoming international ACH$10.00
Canadian item deposited$5.00
Collections of incoming/outgoing
-Up to $50.00$7.50
-Over $50.00$15.00
Cashier's check$3.00
Personal money order$2.50
Check certification$25.00
Item returned unpaid to bank$5.00
Legal process affecting an account (attachment, garnishment, levy, etc.)$25.00
Special cut-off of statement$2.00
Telephone transfer$2.00
Reconciling bank statement
-For 3 previous monthsNo Charge
-Additional months (per hour)$15.00
ATM Cash Card or Visa Check Card$7.00
Inactive account fee (after 24 months of no activity, per month)$3.00
Online Bill Pay (per month)$4.95
Bond of Indemnity$5.00
ATM usage fee (if using a First Citizens State Bank issued ATM Cash Card or Visa Check Card at a First Citizens State Bank owned ATM at one of the locations below)None
Main Office
207 W. Main St.
Whitewater, WI 53190
West Branch
1058 W. Main St.
Whitewater, WI 53190
East Troy Office
2546 E. Main St.
East Troy, WI 53120
Palmyra Office
111 E. Main St.
Palmyra, WI 53156
Eastsider Citgo
650 E. Milwaukee St.
Whitewater, WI 53190
ATM usage fee for First Citizens State Bank issued ATM Cash or Visa Check Cards at other locations:
At an Accel Affiliated Network ATM$1.00
Outside the Accel Affiliated Network$2.00