The State Bank

Spirit Lake • Terril

The State Bank

1902 Hill Ave • Spirit Lake, IA 51360 • 712.336.2455
101 N State Street • Terril, IA 51364 • 712.853.6200


Mortgage Loans


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Fee Schedule

ATM/ShazamChek Card Issue $   3.00
ATM/ShazamChek Card Reissue $   3.00
ATM/ShazamChek Transaction Fee including Sales Tax
(terminal not owned by us)
$   0.54
OD Protection Charge (per transfer) $   5.00
Personal Money Order $   3.00
ICBA Visa® Gift Card $   4.99
ICBA Visa® Travel Money Card $   7.95
Overdraft Fee (each)a $ 22.00
Return Item Fee (each)b $ 22.00
Charge Back Deposited Item (each) $   5.00
Account Research (per hour) $ 20.00
Account Balancing Assistance (per hour) $ 20.00
Duplicate Statement - Per Cycle $   1.00
Safe Deposit Box Rent
Spirit Lake
Small
Medium
Large
Drilled Entry

Terril
Small
Medium
Large
Drilled Entry



$ 15.00
$ 30.00
$ 40.00
$ 150.00


$ 10.00
$ 15.00
$ 20.00
$ 150.00
Internet Banking Bill Payer charge (per month) $   4.95
Cash Manager Bill Payer charge (per month) $ 14.95
Cash Manager ACH charge (per month) $ 40.00
Stop Payment Charge (each) $ 22.00
Wire Transfer (each) $ 20.00
Garnishments (each) $ 30.00
Levies (each) $ 30.00
Exceeded maximum preauthorized transfer limitations (per debit)
(Money Fund & Savings)
$   0.50

aThe categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means.
bThe categories of transactions for which a returned item fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means.


On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.

Beginning January 1, 2010 The State Bank will no longer participate in the FDIC's Transaction Account Guarantee Program. Thus after December 31, 2009, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.