Personal Banking
Checking Accounts
Free Checking
- Free MasterCard Debit Card
- Opening Balance: $50
- Balance to Avoid Service Charge: $0
- Service Charge: $0
- Interest: None
- Monthly Statement w/out Canceled Checks
Regular Checking
- Free MasterCard Debit Card
- Opening Balance: $0
- Average Daily Collected Balance to Avoid Service Charge: $501
Service Charge*: Based on Average Daily Collected Balance |
| Average Daily Balance |
Free Checks |
Extra Checks |
Base Charge |
| $ 00 - 150.00 |
5 |
$0.15 |
$5.00 |
| 150. - 300.00 |
10 |
$0.15 |
$4.00 |
| 300. - 500.00 |
15 |
$0.15 |
$3.00 |
|
> 500.00
|
Unlimited |
Free |
No Charge |
Student Checking
- Free MasterCard Debit Card
- Opening Balance: $0
- Balance to Avoid Service Charge: $0
- Service Charge: $0
- Interest**: none
- Monthly Statement with Canceled Check Images
Interest Checking
N.O.W. Account
- Free MasterCard Debit Card
- Opening Balance: $1000
- Balance to Avoid Service Charge: $1000
Service Charge*: Based on Average Daily Collected Balance |
| Average Daily Balance |
Free Checks |
Extra Checks |
Base Charge |
| $ 00 - 1,000.00 |
20 |
$0.25 |
$10.00 |
|
> 500.00
|
20 |
$0.25 |
No Charge |
- Interest**: 0.50%
- Monthly Statement with Canceled Check Images
* If you drop below $1,000 at any time during the month, there is a $10.00 charge and no interest is paid on the account.
Money Market Checking
- Opening Minimum Balance: $2500
- Balance to Avoid Service Charge: $2500
- Excess Activity Charge: $5 per debit in excess of 6 or $5 per third party withdrawal in excess of 3 per statement cycle.
- Interest**: 1.00%
- Limited Check Writing
- Monthly Statement with Canceled Check Images
Super Money Market Checking
- Minimum Opening Balance: $75,000
- Balance to Avoid Service Charge: $2,500
- Excess Activity Charge: $5 per debit in excess of 6 or $5 per third party withdrawal in excess of 3 per statement cycle.
- Interest**: 2.00%
- Limited Check Writing
- Monthly Statement with Canceled Check Images
Savings
Passbook Savings
- Opening Balance: $1
- Service Charge: NoneExcess Activity Charge: $1 per withdrawal in excess of 9 per quarter (does not apply to ATM withdrawals)
- Interest**: 0.75%
Christmas Club
Accounts available for $1.00, $2.00, $3.00, $4.00, $5.00, $10.00 or $20.00 per week for 50 weeks.
You make 49 deposits, we make the 50th deposit. Christmas Club accounts begin on the first of
November and checks are issued mid October. Vacation Club accounts begin on the first of March and
checks are issued mid February
CDs and IRAs
Certificates Of Deposit
CD’s range in maturity from 90 days to 4 years and may be automatically renewed.
- Minimum Balance to open - $1,000
- Interest rates are based on current market rates at the time of purchase and are a fixed rate until maturity. Please call us for current available rates.
- Interest may be paid by check or credited to another deposit account. Interest may be compounded semi-annually on certificates with maturities of 6 months or greater.
- A penalty may be assessed for early withdrawal.
Funds for the Future - The CD that grows with your child
- Parents, grandparents or legal guardians can open for child
- Requires child’s social security number
- $100.00 minimum to open
- $25.00 minimum on future deposits
- No limit on number of deposits
- Earns at 24-month CD interest rate
- Compounds quarterly
- Matures at child’s 18th birthday
- Must be redeemed by child’s 21st birthday
- Penalty for early withdrawal
Individual Retirement Account Certificates Of Deposit (IRA)
- Interest rates are based on current market rates at the time of purchase and are a fixed rate until maturity.
- Minimum Deposit to Open - $250.00
- Withdrawals with no penalty may be made after you have reached the age of 59 ½. Disbursements may be made by check or credited to another deposit account.
- A penalty may be assessed for early withdrawal.
Loan Products
Automobiles, Boats, and Recreational Vehicles
- New or used financing available
- Flexible terms
Residential Real Estate
- In house or secondary market financing
- Competitive fixed or variable interest rates
- Flexible terms and conditions
- Convenient home equity loans and lines of credit
- Home improvement loans
Residential Construction
- Flexible terms and conditions
- Competitive interest rates
- Convenient construction and permanent financing
Personal
- Flexible terms
- Competitive interest rates
Business Banking
Business Checking
Basic Business Checking
Opening Balance: $100
Balance to Avoid Service Charge: $3000
Service Charge: $10 per month with credit of $.03 per $100 average collected balance given up to $10
Per Check Charge: Unlimited
Interest**: None
** Interest rates subject to change. Contact bank for current rates.
Loan Products
Revolving Line of Credit
- Exceptional convenience designed by the customer
- Competitive interest rate
Commercial Real Estate
- Flexible terms and conditions
- Competitive interest rate (fixed or variable)
Commercial Loans
- Flexible terms and conditions
- Competitive interest rate (fixed or variable)
Commercial Construction
- Flexible terms and conditions
- Competitive interest rate (fixed or variable)
Residential Construction
- Flexible terms and conditions
- Competitive interest rate (fixed or variable)
Mortgage Financing for Apartment Complexes, Shopping Centers, Office Buildings and Warehouses
Other Services
Services
- Safe Deposit Boxes
- Bank by mail
- Notary Services
- License and Title Work
- Faxing
C24-Hour Banking Service
- Debit Cards
- Internet Banking and Bill Pay
- Direct Deposit
- Direct Debit
- ATMs
Town & Country Bank of Missouri Visa Credit Card
Visa Platinum
- Low APR of 5.95% + prime
- No annual fee
- Promotional balance transfer offers and no balance transfer fees
- Online account access
- Automatic enrollment in rewards program
- Year end summary of account activity
- Visa’s zero liability fraud protection
- 25-day interest-free grace period
- Verified by Visa online account protection
- Travel assistance services
- Cashway convenience checks available
- Travel accident insurance up to $500,000
- Optional credit card insurance
Visa Classic & Visa Student
- Low APR of 6.9% + prime
- No annual fee
- Promotional balance transfer offers and no balance transfer fees
- Online account access
- Enrollment in rewards program at card holder’s request
- Year end summary of account activity
- Visa’s zero liability fraud protection
- 25-day interest-free grace period
- Verified by Visa online account protection
- Travel assistance services
- Cashway convenience checks available
- Travel accident insurance up to $150,000
- Optional credit card insurance
- Visa Student requires a parental co-signer
Visa Business
- Low APR of 3.90% + prime
- Annual fee of $50 per card (for rewards plan)
- Enrollment in rewards program at card holder’s request
- Company & Employee’s name embossed on each card
- Travel assistance services
- Up to $50,000 travel accident insurance
- Monthly account summaries
Call or stop by the bank to pick up an application.
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