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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Savings Bonds

Fee Schedule

ATM/ShazamChek Card - Issue $   4.00
ATM/ShazamChek Card or Pin - Reissue $   7.00
ATM/ShazamChek Card - Lost $ 10.00
ATM/ShazamChek Transaction Fee
(terminal not owned by us)
$   0.50
OD Protection Charge (per transfer) $   6.00
Personal Money Order $   3.00
Cash Passport Card - Purchase $   8.95
Cash Passport Card - Reload $   6.00
Overdraft Fee (each)a $ 25.00
Return Item Fee (each)b $ 25.00
Deposit Item Return Charge (each) $   7.00
Account Research (per hour) $ 25.00
Account Balancing Assistance (per hour) $ 25.00
Duplicate Statement - Per Cycle $   3.00
Safe Deposit Box Rent
Spirit Lake
Small
Medium
Large
Drilled Entry

Terril
Small
Medium
Large
Drilled Entry



$ 15.00
$ 30.00
$ 40.00
$ 200.00


$ 10.00
$ 15.00
$ 20.00
$ 200.00
Internet Banking Bill Payer Charge (per month) $   4.95
Cash Manager ACH Charge (per month) $ 40.00
Stop Payment Charge (each) $ 25.00
Wire Transfer (each) $ 20.00
Garnishments (each) $ 50.00
Levies (each) $ 50.00
Exceeded maximum preauthorized transfer limitations (per debit)
(Money Fund & Savings)
$   5.00

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.


NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trus Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.