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Fraud Prevention and Your Account
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Banking needs vary from business to business. Regardless of the size of your business, we have the right account for you.
This Schedule of Fee applies to the Business Checking and Business Interest Bearing Accounts that you maintain with Security State Bank & Trust. There are some fees that may not pertain to your account at the present time; therefore your account will not be subject to these on a monthly basis.
The value of your balance is determined by applying an earnings credit rate to the average investable balance in the account. This is called “earnings credit”. The earnings credit rate is based on current market rate and is subject to change monthly. The investable balance is calculated by deducting the reserve assessment from your average collected balance. The cost of your services is determined monthly based on this fee schedule.
At the end of the month, the Bank compares your earnings credit to the total cost of services. If the earnings credit is in excess of your cost, there is no service charge. If the earnings credit is less than the cost of services, the difference will be your service charge.
Any additional cost of services is provided under a separate Fee & Information Schedule.
Security State Bank & Trust: Notice of changes in temporary FDIC insurance coverage for transaction accounts: By operations of federal law, beginning January 1, 2013, funds deposited in a non-interest bearing transaction account (Including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning, January 1, 2013, all of a depositor's accounts at an insured depository institution, including all non-interest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000.00), for each deposit insurance ownership category. For more information visit www.fdic.gov.
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