NCB Assured Checking Account Holders:

Beginning April 1, 2008 all Assured Checking Account holders will have accidental death and dismemberment insurance and/or common carrier/scheduled airline coverage through Ace American Insurance Company.
If you would like a new description of coverage form, go to: www.memberbenefitpackage.com/acedoc or see the Customer Service Department at Nicollet County Bank.
   

Personal Checking Accounts

Business Checking Accounts
New Custom Checks... Gustavus Adolphus, Saint Peter Public Schools, NCB Logo


Personal Checking Accounts

FEE SCHEDULE
EFFECTIVE May 1, 2006
CHECKING ACCOUNTS

FREE CHECKING

CHECKING PLUS

ASSURED CHECKING

MATURITY PLUS CHECKING

MINIMUM BALANCE

NONE

•$350

NONE

NONE

MONTHLY FEE

NONE

•$5 Plus 17¢ per check/debit
if below minimum balance

•Basic $7
•Personal $8
•Family $9
•Senior - price

NONE

INTEREST

NONE

TIERS
•$350-$2,499
•$2,500-$24,999
•Above $25,000
•No Interest Below $350

NONE

NONE

SPECIAL FEATURES

•Duplicated Checks Required
•Image Statement provided
w/$5 fee

•Image Statement

•Image Statement
•Complete listing of full account benefits available
•Special Considerations do not apply

•Image Statement
•Checking Plan
•Available if over Age 50

INTERNET BILL PAY

•$4.50 Monthly Fee
•10 Free Payments
•25¢ per transaction over 10

•No Monthly Fee
•5 Free Payments
•25¢ per transaction over 5

•No Monthly Fee
•5 Free Payments
•25¢ per transaction over 5

•$4.50 Monthly Fee
•10 Free Payments
•25¢ per transaction over 10
OPTIONS

• Uni-Statement Feature
Have all your accounts conveniently listed on one monthly statement
• Direct Deposit
Have payroll or monthly deposits made directly to your account
• Special Considerations
Maintain a balance of $2,500 in a Savings account or $10,000 in a Certificate of Deposit and you will qualify for a Checking account free of monthly service charges
• NetTeller Internet Accessibility
www.nicolletcountybank.com
Access Account Information
View Transactions
Print Statements
Transfer Funds
• 24 Hour Telebanker Line – Call 931-3182
Access Account Information
Transfer Funds

• Instant Cash or Instant Cash and Check Cards
No Annual Fee
Ready Reserve
No Annual Fee
Checking Account Lines of Credit Available for Qualified Customers
• Visa Credit Card
No Annual Fee with $2,000 Annual Usage
• Master Card Credit Card
No Annual Fee
• Additional Financial Services
Savings Accounts
Certificate of Deposit Accounts
SEP and Individual Retirement Accounts
Investment Services
• Saints Club for those 50 or Better

Personal Checking Accounts

Business Checking Accounts
New Custom Checks... Gustavus Adolphus, Saint Peter Public Schools, NCB Logo
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Business Checking

Expanded Business Accounts
(effective May 1, 2006)
Business
Accounts		 Basic
Business		 Basic
Business Plus
(Sole Proprietorship)		 Premium
Business		 Premium
Business Plus
(Sole Proprietorship)
Example of Business Service
Charge Calculation
Step 1
Monthly Maintenance Fee $5.00
Per Debit Fee (Checks Written)  25x.12 $3.00
Deposit Items  38x.05 $1.90
Return Deposit Items  1x$3.00 $3.00
Total Charges $12.90
Step 2
Average Collect Balance $2,478.77
Less Reserve Deduction (3.00%) ($72.86)
Average Collected Balance $2,355.91
Credit Calculation
Average Collected Balance ($2,355.91) x Variable Rate
(3.00%) x # of days in statement cycle ÷ by number of
days in year (365)
Total Credit $5.81
Total Charges less Total Credit = Service Charge of $7.09
*Variable Rate is subject to change without notice

Minimum
Balance		 None $1,000 None $1,000
Monthly
Maintenance
Fee		 None None $5.00 $5.00
Interest None Tiers
$1,000-$2,499
$2,500-$24,999
Above $25,000		 None Tiers
$1,000-$2,499
$2,500-$24,999
Above $25,000
Per
Debit
Fee		 None

If more than 50 items
20¢ per item

 None

If more than 50 items
20¢ per item

 12¢ 12¢
Deposit
Items		 None

If more than 75 items
20¢ per item

 None

If more than 75 items
20¢ per item

 5¢ 5¢
Reserve
Deduction		 N/A N/A 3.00% 3.00%
Return
Deposit
Item		 $3.00 per item $3.00 per item $3.00 per item $3.00 per item
Credit
Collected
Balance		 N/A N/A Variable Rate* Variable Rate*
Special
Features		 Image Statement Image Statement Image Statement Image Statement
Additional Business Account Services Available
  • ACH Payroll Origination
  • Wire Transfers
    Domestic
    International
  • Corporate Visa Accounts
  • Loans
    Lines of Credit
    Term
    Real Estate
  • Notary Service
    • Internet Banking
    • Instant Cash & Check Cards
    • Night Depository
    • Cash Management
    • Merchant Visa
    A Note on Image Statements
    Nicollet County Bank is proud to offer the latest in technology by automatically imaging all checks! The check images are printed in numerical order on 8 1/2" x 11" pages for customer convenience. The statements are pre-punched, and ready to be stored in the hardcover binder, provided free of charge.

    Personal Checking Accounts

    Business Checking Accounts
    New Custom Checks... Gustavus Adolphus, Saint Peter Public Schools, NCB Logo
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