Deposit Accounts JOY (Just Older Youth) Checking REGULAR CHECKING (NO SERVICE CHARGE) BEST VALUE CHECKING NOW CHECKING (INTEREST BEARING) ATM/DEBIT CARD CERTIFICATES OF DEPOSIT REGULAR SAVINGS MONEY MARKET SAVINGS PREMIER SAVINGS IRA (Individual Retirement Accounts) BUSINESS CHECKING JOY (JUST OLDER YOUTH) CHECKING Two special checking accounts loaded with valuable benefits for our valued customers 50 years of age and over. The basic Joy checking requires a $100.00 minimum balance to avoid a $7.50 monthly service charge, your check order includes standard wallet or duplicate checks or a $5.00 credit on the check order, Interest when you maintain a $500.00 minimum daily balance, travel discounts, notary service and photocopies. Joy Plus checking members enjoy added privileges with no minimum balance required, free standard wallet or duplicate checks or a $5.00 credit on your check order, travelers checks, debit card and money orders, eyewear discounts, insurance, and safe deposit discounts all for only $5.00 a month. REGULAR CHECKING (NO SERVICE CHARGE) If free is what you’re looking for, this one’s for you! No minimum balance, no monthly service charges, no per check fees. Check images will be returned to the customer and requires only a $50.00 opening deposit. BEST VALUE CHECKING Looking for your “Best Value” in checking? Our BVC account offers free standard wallet or duplicate checks, money orders, travelers checks, photocopies, notary service and no minimum balance all for $6.00 per month. NOW CHECKING (INTEREST BEARING) Earn monthly interest, unlimited check writing and electronic withdrawals on this account by maintaining a minimum balance of $500.00 to obtain the disclosed annual percentage yield. ATM/DEBIT CARD Available on deposit accounts upon qualification. CERTIFICATES OF DEPOSIT Make your savings work for you by investing in our competitive rate Certificates. Invest from 3 to 84 months and be sure to check out our Certificate Specials. REGULAR SAVINGS Just starting your savings plan? An opening deposit of just $50.00 will get you started. Your interest will be compounded quarterly. A minimum balance fee will be imposed each month that the balance falls below $50.00. Minors under 18 years of age have no minimum balance fee. You may also link this account to your personal checking for overdraft protection. MONEY MARKET SAVINGS Earn competitive rates when saving for the future. Interest is compounded monthly. A minimum balance of $1,000.00 is required to obtain the disclosed annual percentage yield. You may make 6 pre-authorized transfers per month. A minimum balance fee will be imposed each month that the balance falls below $50.00. PREMIER SAVINGS Get the most for your money with flexibility. This account will be indexed to the 182 Day Treasury Bill and will change the first of each month. The interest rate for your deposit will be determined by the balance in your account each day - the higher your balance, the higher your rate of interest. IRA (Individual Retirement Accounts) This will help you plan for the golden years. Start saving now and watch it grow. There are some rules with this one, so check with our account representative to see if this is for you. BUSINESS CHECKING Our business checking accounts allow you to help control your cost, by giving an earnings credit on your collected available balance. For details please visit with one of our customer service representatives. INTEREST RATES ON INTEREST BEARING ACCOUNTS ARE AVAILABLE UPON REQUEST. THIS INFORMATION IS FOR GENERAL INFORMATION ONLY. FOR OTHER DETAILS, FEES, CHARGES, AND PENALTIES, CONTACT ONE OF OUR CUSTOMER SERVICE REPRESENTATIVES. Back to Top

Dial-A-Bank  218-741-8507 You can access your account information 24 hours a day, seven days a week, using our telephone banking service.  Call from any telephone to inquire on your account balances, transfer between your accounts, or see what checks have cleared.  One of the best things about this is it is free, no charge.  If you happen to be out of town we even have a toll free number to call.  Please contact one of our customer service representatives for more information and see how easy it is to get started. Back to Top

Other Services AFTER HOURS DEPOSITORY BANK BY MAIL CHRISTMAS CLUB CREDIT CARD ADVANCES DIRECT DEPOSIT NOTARY SERVICE SAFE DEPOSIT BOXES TRAVELERS CHECKS DRIVE-IN BANKING WE MAY NOT HAVE LISTED ALL OF OUR SERVICES, AND WE ADD NEW ONES.  FOR ALL YOUR BANKING NEEDS SEE US FIRST! Back to Top