PRODUCTS In today's market, you have many choices. At the Miner County Bank you will find a partner for all your financing needs. Our experienced, knowledgeable staff will help you find the deposit account that best fits your needs. SAVINGS ACCOUNTS Statement Savings Account Money Market Deposit Account Minimum Opening Balance $50.00 $3000.00 Monthly Service Fee $1.00 for each withdrawal after four (4) per month None Interest Bearing                    Yes $5.00 Minimum average daily balance to obtain the disclosed annual percentage yield                        Yes Balance of $3000 or more – money market rate Balances up to $2499.99 – now account rate Check Access No 3 checks per month Statement Frequency Quarterly Monthly Additional Benefits No deposit or in-person withdrawal limitations Variable interest rate Interest compounds quarterly No deposit or in-person withdrawal limitations Variable interest rate Interest compounds monthly Federal regulations limit telephone, automatic preauthorized transfers, and Internet transfers to six (6) per month, with no more than three (3) by third party check, draft, debit card, or similar order. CHECKING ACCOUNTS Regular Checking A basic checking account with no monthly service fee and unlimited check writing. Minimum Opening Balance $50.00 Monthly Service Fee NONE Interest NO ATM Card Available for Qualified applicants Special Benefits Free monthly statements NOW Account A basic interest bearing checking account. Minimum Opening  Balance $500.00 Monthly Service Fee NONE Interest $500.00 minimum average daily balance to obtain disclosed annual percentage yield. ATM Card Available for Qualified applicants Special Benefits Free monthly statements MCB Club Account An interest bearing checking account with popular bank services at no extra fee. Minimum Opening Balance $2000.00 Monthly Service Fee None with an average daily balance of $2000.00. Monthly fee of $15.00 for average daily balances of less than $2000.00. Interest $2000.00 minimum average daily balance to obtain the disclosed annual percentage yield. Average daily balances less than $2000.00 earn the NOW Account interest rate. ATM Card Available for Qualified applicants Special Benefits No fee photo copies (20 per month), personal money orders (6 per month), travelers checks, and notary service. Reduced fee safe deposit boxes, personal checks and fax services. MCB55 Club Account An interest bearing checking account for the mature customer with popular bank services at no extra fee. Minimum Opening Balance $2000.00 Monthly Service Fee NONE Interest $2000.00 minimum average daily balance to obtain the disclosed annual percentage yield. Average daily balances less than $2000.00 earn the NOW Account interest rate. ATM Card Available for Qualified applicants Special Benefits No fee photo copies (20 per month), personal money orders (6 per month), travelers checks, and notary service. Reduced fee safe deposit boxes, personal checks and fax services. CERTIFICATES OF DEPOSIT FDIC insured investments with competitive rates, CD’s provide a great way to invest in your future as well as the community. Terms of 3 months up to 48 months Minimum balance of $500.00 Interest credited and compounded quarterly Automatically renewable A penalty for early withdrawal may apply INDIVIDUAL RETIREMENT ACCOUNTS The perfect FDIC insured investment to secure your financial future and maximize your tax benefits. Available as a 6 month fixed term with special IRA rate or any regular CD rate and term Interest earned on an IRA is not taxed until withdrawn * Flexible—contributions can be made any time No annual fees Interest credited and compounded quarterly Annual statements A penalty for early withdrawal may apply Traditional and Roth IRA’s available * qualifying earned interest on Roth IRA’s are never taxed     For more information about  FDIC insurance coverage of transaction accounts, visit www.fdic.gov.