IMPORTANT ALERT!

Debit Card Declines

Due to an increased fraud trend and in order to mitigate the Bank's losses, we have implemented some restrictions which may result in your debit card being declined for certain online purchases.  If this happens to you, please call us and we can exempt your card from this restriction which will allow you to proceed with your online purchase.  We apologize for any inconvenience this may cause. 

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Truth-in-Savings Disclosure

Regular Checking Account

Minimum balance to open the account - You must deposit $50.00 to open this account.

Minimum balance to avoid imposition of fees - A minimum balance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.

NOW Account

Rate Information: This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  If this account is used as an IOLTA Trust Account, then interest (less applicable fees and service charges) will be sent to the Lawyer's Trust Fund of Illinois.

Balance Information: We use the daily balance method to calculate the interest on the account.  This method applies a daily peiodic rate to the principal in the account each day.

Limitations:  You must deposit $300.00 to open this account.

 Account Fees:  A minimum balance fee of $5.00 will be imposed every statement cycle if the balance falls below $300.00 any day of the cycle.

Super NOW Account

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  If this account is used as an IOLTA Trust Account, then interest (less applicable fees and service charges) will be sent to the Lawyer's Trust Fund of Illinois.

Balance Information: We use the daily balance method to calculate the interest on the account.  this method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $1,000.00 to open this account.

Account Fees:  A minimum balance fee of $5.00 will be imposed every statement cycle if the balance falls below $300.00 any day of the cycle.

 Money Market Account (MMDA)

Rate Information:  This account is an interest bearing account.  The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart.  The interest rate and annual percentage yield may change.  At our descretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly. 

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $2,500.00 to open this account.  You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees:  A minimum balance fee of $5.00 will be imposed every statement cycle if the balance falls below $2,500.00 any day fo the cycle.

 Integrated Rewards Checking

Rate Information: This Account is an interest bearing account.  The interest rate and annaul percentage yield will depend upon the daily balance in the account as shown on the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day. 

Limitations:  You must deposit $100.00 to open this account.

Account Fees:  How to Receive the Rewards:


Make at least 10 North County Savings Bank debit card point-of-sale transactions per month (excluding ATM transactions). 

Debit card transactions must post to account to be counted toward the ten POS transactions by end of statement cycle.

Have at least one Direct Deposit into or ACH auto debit from your account each statement cycle. Can be payroll, social security, government or retirement direct deposit.


Enroll in our free eStatement service.


Maintain a current email address on record at North County Savings Bank.

Additional Features:
Free On-line Bill Pay.
Free Debit Card.
Reimbursement ATM fees up to $25.00 per statement cycle.

If your Integrated Rewards Checking account does not meet the qualifications any month
Your account still functions as a free checking account earning a minimum rate.
No monthly service charge.
Reimbursement of ATM fees will not apply.

The "Bank" is not responsible for any delays in the merchants processing their transactions.

Business Interest Checking

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day. 

Limitations:  You must deposit $1,000.00 to open this account.

Account Fees:  A minimum balance fee of $5.00 will be imposed every statement cycle if the balance falls below $300.00 any day of the cycle.

Passbook Savings Account

Rate Information:   This account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information:  We use the daily balance method to caculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must depoist $10.00 to open this account.  You may make six (6 transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Christmas Club Account

Rate Information: This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, check).  Interest will be compounded quarterly and will be credited to the account quarterly. At the end of the club account period October 31, 2019, the funds in the account will be mailed to you by check. 

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $10.00 to open this account.  You may not make withdrawals from your account until the maturity date. 

Account Fees: If any withdrawal is made from this account before October 31st then this account may be closed.

7 Day Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 7 days.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will not be compounded on the account.  Interest will be credited at maturity.  We will mail the interest in a check to you or deposit the interest in an account that you designate.

Balance Information:  We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $1,000.00 to open this account.  You may not make additional deposits into this account until the maturity date.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 7 days.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 7 days' interest on the amount withdrawn.  This account will automatically renew.  You will have 1 calendar day after the maturity date  to withdraw funds without a penalty.  If you do not withdraw the funds, each renewal term will for an identical period of time as the original term.

91 Day Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 91 days.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will not be compounded on the account.  Interest will be credited at maturity.  We will mail the interest in a check to you or deposit the interest in an account that you designate.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $1,000.00 to open this account.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 91 days.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 30 days' interest on the amount withdrawn.  This account will automatically renew.  You will have 7 days after the maturity date to withdraw funds without penalty.  If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

06 Month Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 6 months.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be credited at maturity.  We will mail the interest in a check to you or deposit the interest in an account that you designate.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the pricnipal in the account each day.

Limitations:  You must deposit $1,000.00 to open this account.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 6 months.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 30 days' interest on the amount withdrawn. This account will automatically renew.  You will have 7 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

12 Month Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 12 months.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited quarterly.  We will mail the interest in a check to you or deposit the interest in an account that you designate.  The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $500.00 to open this account.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 12 months.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 90 days' interest on the amount withdrawn.  This account will automatically renew.  You will have 7 days after the maturity date to withdraw the funds, each renewal will be for an identical period of time as the original term.

18 Month Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield  will be in effect for 18 months.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited quarterly.  We will mail the interest in a check to you or deposit the interest in an account that you designate.  The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce the earnings.

Limitations:  You must deposit $500.00 to open this account.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 18 months.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 90 days' interest on the amount withdrawn.  This account will automatically renew.  You will have 7 days after the maturity date to withdraw funds without penalty.  If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

30 Month Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 30 months.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited quarterly.  We will mail the interest in a check to you or deposit the interest in an account that you designate.  The annual percentage yeild assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must depoist $500.00 to open this acount.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 30 months.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 90 days' interest on the amount withdrawn.  This account will automatically renew.  You will have 7 days after the maturity date to withdraw funds without penalty.  If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term

36 Month Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 36 months.  Interest begins to accrue the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited quarterly.  We will mail the interest in a check to you or deposit the interest in an account that you designate.  The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $500.00 to open this account.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 36 months.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 90 days' interest on the amount withdrawn.  This account will automatically renew.  You will have 7 days after the maturity date to withdraw funds without penalty.  If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

60 Month Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 60 months.  Interest begins to accrue the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate.  The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $500.00 to open this account.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 60 months.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 90 days' interest on the amount withdrawn.  This account will automatically renew.  You will have 7 days after the maturity date to withdraw funds without penalty.  If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

12 Month Liquid Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 12 months.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited quarterly.  We will mail the interest in a check to you or deposit the interest in an account that you designate.  The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $5,000.00 to open this account. You may make deposits and withdrawals at any time as long as account does not fall below $5,000.00.  If the balance falls below $5,000.00 the account will be closed and a penalty of ninety days' interest may be imposed.

Time Account Information:  Your account will mature in 12 months. This account will automatically renew.  You will have 7 days after the maturity date to withdraw funds without penalty.  If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

24 Month Certificate of Deposit

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield will not change for the term of the account.  The interest rate will be in effect for 24 months.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded quarterly and will be credited quarterly.  We will mail the interest in a check to you or deposit the interest in an account that you designate.  The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.

Limitations:  You must deposit $1,000.00 to open this account.  You may not make additional deposits into this account.  You may not make withdrawals from your account until the maturity date.

Time Account Information:  Your account will mature in 24 months.  If you withdraw any of the principal before the maturity date, we may impose a penalty of 90 days' interest on the amount withdrawn.  This account will not renew automatically at maturity.  If you do not renew the account, we will do the following with your deposit:  You will have 7 calendar days from date of maturity to withdraw the funds in this account or transfer the funds to another account.  Failure to withdraw or transfer funds will result in the bank closing the account and transferring the funds to a passbook savings with the same ownership as the 24 month account.  Interest will not accrue after the 7 grace days.

  

Common Features

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Check printing (fee depends on style of check ordered)
Counter checks $.25
Money orders $2.00

An account is dormant if for one year you have had no communication with us about your account(s).

Dormant account fee

This fee may be charged annually.

$5.00
Nonsufficient funds (NSF) - each check - returned or paid $25.00
Nonsufficient funds ACH - each ACH - returned or paid $25.00
Account activity printout $1.00
Account balancing/research - per hour $10.00
Stop payments- each $25.00
Stop payment ACH - each $25.00
Photocopies $0.25
Copies of checks $4.00
Non customer check cashing fee $5.00
Fax fee - per page $1.00