Palos Bank and Trust: Deposits

Deposits

Deposit Rates*

Palos Bank and Trust Checking Account products have been designed to fit your needs and include:

• Free Online Banking
• Free Online Bill Pay
• Free E-Statements
• Free 24 Hour Touch-Tone Banking
• Free Visa^® Debit/ATM Card (upon qualifying)
• Over 40,000 surcharge-free ATM's
with STARsf and Allpoint networks

FREE CHECKING
Unlimited check writing, no minimum balance or direct deposit requirement and a monthly statement without check images.

REGULAR CHECKING
Unlimited check writing, with a monthly statement including check images. A minimum balance is required, or a monthly fee is charged if the balance falls below the minimum.
Minimum balance requirement of $400 or greater is free, $399-$300 is $5, $299-$100 is $6, and $99-$0 is $7.
Senior Citizens 60 years of age or over do not have to meet the minimum balance requirement.

INTEREST CHECKING      View Rates
• Free check imaging.
• No monthly fee with a minimum balance of $1,500.
• Under $1,500 monthly fee of $10.
Interest paid monthly on daily balances in account. Interest rate may vary with market conditions.

ONLINE BANKING
Free Online Banking puts the power of personal and business banking at your fingertips. . . 24 hours a day! You are able to check account balances and activity, access and print account information, transfer funds between your accounts, download and print monthly statements, check current rates, plus many other personalized options.

E-STATEMENTS
Free E-Statements are a quicker, more secure alternative to traditional paper statements. More importantly, by receiving E-Statements you are showing your concern for the environment by reducing paper consumption and waste. With E-Statements you can view your statements online, print them or save a copy to your computer.

ONLINE BILL PAY
Free Online Bill Pay for personal accounts. Pay your bills from the comfort of your home. Online-Anytime!

PRESTIGE CHECKING
Unlimited check writing with a monthly statement including check images. You qualify for membership with one of the following: $5,000 minimum balance in a Checking Account, $5,000 in a Savings Account, $7,500 in a Money Market Account or $10,000 in a Certificate of Deposit.

Benefits of the Prestige Club are free Prestige Club checks, no fee charged for cashier's checks and money orders, and a free initial consultation with a Trust and Investment officer.

MONEY MARKET ACCOUNT*      View Rates
Pays competitive investment rates and includes free check imaging.
• No monthly fee with a minimum balance of $2,500.
Market interest rate paid monthly on daily balances.
• Under $2,500 monthly fee of $15.
Interest paid on daily balances.

PRIME INVESTMENT MONEY MARKET* View Rates
Earn preferred rates on larger balances while having instant access to your money. Current interest rates available on request; rates may change without notice. Minimum opening balance $25,000. Balances below $25,000 earn interest at the regular savings rate. A $15 monthly fee is charged for balances that fall under $2,500. Free check imaging is included with this account.

STATEMENT SAVINGS* View Rates
Statement Savings offers savings account flexibility with the convenience of a periodic statement showing all deposits, withdrawals and interest earned. Interest will be compounded and paid quarterly. A minimum balance fee of $2.00 will be imposed each month, if the average daily balance for the month falls below $200. No minimum balance is required for accounts of minors.

Six (6) savings withdrawals are permitted each month.
Additional withdrawals are 50¢ each.

*Special Limitations:
There is no limit to the number of in-person withdrawals that you may make. You are limited by federal regulations to a maximum of six (6) pre-authorized, automatic, or telephone transfers, of which not more than six (6) may be made by checks payable to a third party, within each monthly statement cycle.

24 HOUR TOUCH-TONE BANKING
Another banking convenience! You can bank 7 days a week, 24 hours a day and have instant access to information on all of your accounts. Wherever you are, just call the bank and "Press 4".

CERTIFICATES OF DEPOSIT View Rates
Palos Bank and Trust Company offers a wide variety of rates and terms to fit your investment objectives, including special rates for amounts over $100,000. See our Personal Bankers for details.

Your FDIC Insurance Coverage

INDIVIDUAL RETIREMENT ACCOUNTS View Rates
Palos Bank offers a wide variety of options that can help you maximize your retirement options.

Traditional IRAs offer the potential for tax-deductible contributions and tax deferred earnings. Contact one of our branch managers for information regarding IRA plan transfers or rollovers.

Roth IRAs are not tax deductible, but offer the potential for tax-free distributions.

Coverdell Education IRAs are available for parents, grandparents, and friends to invest for a child's future education.

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