Insights. Checking vs. Savings. Have you weighed your options? l. S p o t l i g h t o n. Bank of Springfield. Bank of Springfield
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1 os January 2008 Insights A pubication brought to you by Bank of Springfied Checking vs. Savings Inside this Issue Have you weighed your options? Deposit Account Options - Detais on page 2.. Deposit Products. BoS Deposit Accounts... p2. What Are My Options?...p2-4. Protecting Yoursef Onine. Seminars... p5. Did You Know?...p4-5 cassic 50. Trips And Tours... p5 News to use. ATM Locations... p6. Festiva of Trees... p6. S p o t i g h t o n Service. BoS Ca Center... p7. Hours & Hoidays... p7 Bank of Springfied
2 Bank of Springfied Deposit Products Deposit Ac c o u n t Options to fit your ifestye { } You choose......different options......different benefits Previousy we introduced you to BoS Financia Services which provides Investment, Trust and Insurance programs. These services are designed to address your ong range goas. But, for short term needs, traditiona bank products are usuay in order. Which one is right for ME? Gone are the days when one coud make the simpe decision to open a checking or savings account. With banks offering so many different versions of checking and savings accounts, it can be confusing and sometimes even intimidating when considering which accounts are right for you. Who can I tak to? Of course our Persona Bankers are anxious to answer any questions you may have about our products and services. So, fee free to give them a ca at Or stop by any of our branch offices. Meanwhie, here s a coser ook at Bank of Springfied s deposit account options and the benefits of each. January 2008 What are my options? Checking Accounts Bank of Springfied offers four different types of checking accounts. Each of these accounts incudes the foowing services: Free Home Banking via the Internet* Free Onine statements, (e-statements), that can be downoaded Free unimited onine bi payment service* VISA Check Cards, aso known as Debit Cards* ATM Cards* $ Aowabe Overdraft (AOD), protection* To-Free Account Information phone ine Surcharge-free ATM network Combined bank statements, and Instant Check ine of credit* The four checking accounts we offer incude one noninterest bearing account (FREE Checking) and three interest bearing (NOW) accounts. 1 Free Checking BoS Checking is our non-interest bearing checking account. Whie this account does not pay interest, the advantage is that it s free; there are no monthy service fees. A minimum of $100 is required to open a new BoS Checking account. However there is no minimum daiy baance requirement in order to avoid monthy service charges. There simpy are no service fees. 2 Now Accounts Negotiabe Order of Withdrawa accounts, commony known as NOW accounts, are interest bearing accounts with check-writing capabiity. Interest rates paid on NOW accounts are market driven so they are periodicay reviewed and subject to change. Bank of Springfied offers three different NOW accounts, each with its own unique benefits. Whie these accounts pay interest, they do have minimum baance requirements in order to avoid monthy maintenance fees. Certificates of Deposit Visit our website for current CD rates and specias! 2 Bank of Springfied Bank of Jacksonvie bankofspringfied.com bankofjacksonvie.com
3 Deposit Products For most accounts, there are two ways the minimum requirements can be met. The first is the minimum daiy baance. This refers to the amount of money in the account on any given day. If the minimum daiy requirement is $1,000 and the account maintains at east $1,000 every day of the month, then no service fees wi be charged. If the baance fas beow the $1,000 daiy requirement, the average daiy baance is cacuated to determine whether or not fees wi be charged. The average daiy baance requirement is aways higher than the minimum daiy baance requirement. A. Persona NOW checking has a two tiered interest rate structure. The interest rate you receive is based on the amount you maintain in your account. The two tiers are: Tier 1: Average daiy baance under $5,000; and Tier 2: Average daiy baance of $5,000 or more. To avoid the monthy maintenance fee of $7.50, this account has a minimum daiy baance requirement of $1,000 or an average daiy baance requirement of $1,800. If the baance fas beow these minimums, your account wi be charged $7.50 but you wi sti earn interest on the money in the account. The main advantage Persona NOW offers is that you earn interest on your checking account with reativey ow minimum baance requirements to avoid monthy fees. B. Persona Power NOW is a checking and savings account a in one that earns a savings account interest rate with unimited check writing. This account has three tiers in the interest rate structure: Tier 1: Average daiy baance under $10,000; Tier 2: Average daiy baance of $10,000 - $24,999.99; and Tier 3: Average daiy baance of $25,000 or more. The $25 monthy maintenance fee is waived on this account if you maintain a minimum daiy baance of $5,000 or an average daiy baance of $10,000. In addition to the checking account services mentioned earier, Persona Power Now account customers aso receive the foowing benefits: Free Personaized Checks Free Traveers Checks Free Cashiers Checks Free Notary Services Free Photocopies Signature Guarantee $5.00 Discount on Annua Safety Deposit Box Renta The advantages of the Persona Power NOW account are the higher interest rates and additiona benefits. C. Cassic 50 NOW checking is for customers 50 years of age and better. Cassic 50 NOW account customers are automaticay members of our Cassic 50 Cub. Cub members aso receive the same additiona benefits our Persona Power NOW account customers receive. The minimum daiy baance requirement to avoid the $7.50 monthy fee is $100. There is no aternate average daiy baance requirement on this account. Min. to Min. Daiy Min. Avg. Service Open Baance Daiy Baance Charges BoS Checking $100 None None None Persona NOW $1,000 $1,000 $1,800 $7.50 Persona Power $1,000 $5,000 $10,000 $25 NOW Cassic 50 NOW $100 $100 None $7.50 Bank of Springfied offers Certificates of Deposit (CD), with competitive rates that vary, depending on the term of the CD. Standard terms are 3 months, 6 months, 12 months, 15 months, 18 months, 2 years, 3 years, 4 years and 5 years. Generay, rates are higher for the onger term CDs. Deposit account options continued on pg. 4. Backed by the fu faith and credit of the United States government FD I C Each depositor insured to at east $100,000 Federa Deposit Insurance Corporation 3 *Some of these services are subject to credit approva. Interest rates fuctuate with the market. This information is not a substitute for fu account discosure of any product described in this artice. Pease contact a persona banker for more information.
4 Bank of Springfied 4 Deposit Products Deposit account options continued from pg. 3. Savings Accounts Bank of Springfied offers five different savings account options. Min. to Open Min. Daiy Baance Min. Avg. Service Daiy Baance Charges Reguar Savings $100 $100 None $2 Power Savings $1,000 $1,000 $2,500 $7.50 Persona Money Market $2,500 $2,500 $5,000 $7.50 Minor Savings Under Age 18 $25 None None None Minor Savings Over Age 18 $100 $100 None $2 Christmas Cub $5 None None None Bank of Springfied Bank of Jacksonvie bankofspringfied.com bankofjacksonvie.com January Reguar Savings is a basic savings account with no bes or whistes. When you maintain a daiy baance of $100, no service charges are appied. If the baance fas beow $100, there is a $2.00 monthy fee. The advantage the reguar savings account offers is the ow minimum baance requirement. And, if the account does fa beow $100, the monthy fee is reativey ow. 2 Power Savings, ike our Power Now checking account, has a two tiered interest rate structure: Tier 1: Average daiy baance under $5,000; and Tier 2: Average daiy baance of $5,000 or more. If you maintain a $1,000 daiy baance or an average daiy baance of $2,500, the $7.50 monthy maintenance fee is waived. This account provides an opportunity to earn a higher interest rate on higher baances. 3 Persona Money Market pays a higher interest rate yet has fairy ow minimum baance requirements to avoid the $7.50 monthy maintenance fee. Fees are charged if the baance fas beow the minimum daiy baance or $2,500 or average daiy baance of $5,000. The Money Market account is restricted by federa reguation with regard to the number of transactions which may be conducted on a monthy basis. Athough you have checks that you can write on this account, reguation imits the number of preauthorized withdrawas that can be made each month to six. These withdrawas can incude up to three checks, and the remainder can be teephone or pre-authorized transfers. The main advantage of the Persona Money Market account is the higher interest rate. 4 Minor Savings is designed to give your chidren an opportunity to save money. This account recognizes that chidren do not usuay have arge amounts of money to deposit. A $25 minimum deposit is required to open the account and there are no monthy fees if the chid is under age 18, regardess of the amount of money in the account. Once the chid reaches18 years of age, the Minor Savings account has the same minimum requirements and fees as the Reguar Savings account. 5 Christmas Cub ony requires $5.00 to open the account. Accounts can be opened beginning November 1 st of any year. You may make deposits any time from November 1 st through October 15 th of the foowing year. Each November, Christmas Cub customers receive payment for the fu amount in the account. Protecting Yoursef Onine With 128 bit encryption, networks of security firewas working behind the scenes, and muti-factor authentication, you can be confident home banking is as secure as you keep your username and password. BoS is committed to making our home banking site as secure as possibe. The foowing steps can hep you further protect your confidentia financia information. Reguary change your og-in information: You can change both your username and password as often as you ike. And, keep your user name and password confidentia. Keep your security software up-to-date: Maicious programs exist that can read your keystrokes that hackers can use to figure out your og-in information. Keeping your anti-virus and anti-spyware programs up to date wi keep your computer free from these attacks. Be Vigiant: Use home banking to monitor your account. If you see something suspicious, report it to the bank. Pay more bis onine! Paying more bis onine means fewer checks foating around containing your account number. Did you know...that BoS services mortgage oans ocay? Many peope who suffered damage from the March 12th, 2006 tornados were surprised to earn that the caim check they received from their homeowners insurance poicy was aso made payabe to their home mortgage institution. When this happens, the check must be signed by someone from the mortgage company before the homeowner can cash the check. This process is further compicated by the fact that some banks se their mortgage oans to other institutions ocated hundreds or even thousands of mies away. In these instances, the check must be maied to the
5 Cassic 50 Activities & Tours Activities cassic 50 home banking seminars February 20th February 21st Apri 16th Apri 17th June 25th June 26th Not Currenty a Home Banking Customer? Wanna Be? Give us a ca at We ook forward to heping you get started. mortgage company to get the check endorsed. Often this deays when repairs can begin. At Bank of Springfied, we service our mortgage oans ocay 1, eiminating this frustrating process for our oan customers. When you have questions or need service on your Bank of Springfied oan, simpy ca Exceptions are VA, GI and Jumbo oans. February 3 Barn II Dinner Theatre February 13 Chicago Automobie Show March 30 Barn II Dinner Theatre Apri 14 Cassic 50 Ceebration Apri 17 Andre Rieu concert May 8 St. Louis Treasurers Tour May 17 St. Louis Fox Theatre-Jersey Boys May 18 Barn II Dinner Theatre June 30 St. Louis - Shoes, Booze, and Baseba Major Tours March 3-16, 2008 Hawaiian Isands Cruise June 5-14, 2008 Vancouver and the Canadian Rockies August 30-September 7, 2008 Coumbia River Cruise December 29, 2008-January 2, 2009 Caifornia New Year s Getaway January 17-25, 2009 Caribbean Cruise Introducing Word Connect! Word Connect is a partnership between BoS and Coette Vacations. In addition to the four major tours we offer each year, our Word Connect Program provides you with even more domestic and internationa trave destinations from which to choose marks Coette s 90th year in the trave industry. Roger Bucher has worked with Coette for neary 20 of those years so he knows first hand about the quaity of their services. If there is a particuar destination you woud ike to visit, just give Roger a ca at Our Word Connect Program may be abe to accommodate you. 5
6 Bank of Springfied news to use Our ATM Locations Springfied ATM Locations Bank of Springfied, 2600 Stevenson Dr. Bank of Springfied, 3400 Wabash Ave. Bank of Springfied, 850 East Madison St. Sangamon County Circuit Cerk s Office, 200 South 9th St. Jefferson Street and Wanut Street, On the North West Corner Koke Mi Medica Center Stanford Avenue and 5th Street King Pin Bowing Aey, Sangamon Ave. and Dirksen Pkwy. Montvae Shopping Center, Chatham Rd. and Ies Ave. Popeye s Famous Fried Chicken, 2801 South Grand Ave. East Sangamon Chapter Credit Union, 310 S. Grand Ave South 6th Street, by Hoywood Video Jacksonvie ATM Locations Bank of Jacksonvie, 1701 Morton Ave. Surcharge-Free ATM Network We have joined an aiance of community banks in the Centra Iinois area and beyond to offer our customers an expanded surcharge-free ATM network. There are over 200 ATMs avaiabe for you to use in Iinois, Missouri and Kentucky. Here are a few you may find convenient: Chatham The Bank & Trust Company, Rte. 4 & Pummer Chatham Marine Bank, 470 North Main Paza Rochester Rochester State Bank, Rte. 29 & State St. (Subway Parking Lot) Rochester The Bank & Trust Company, 201 N. Wanut Virden Farmers & Merchants State Bank, 603 N. Springfied St. Decatur Prairie State Bank & Trust, 1000 W. Pershing Decatur Prairie State Bank & Trust, 2028 Mount Zion Rd. Tayorvie First Nationa Bank of Pana, 600 W. Spresser St. Pana First Nationa Bank of Pana, 306 S. Locust St. Pana Nationa Bank, 302 W. 2nd St. Springfied & A Marine Bank, Prairie State Bank & Trust and Jacksonvie Premier Bank of Jacksonvie Locations Visit for a compete ist of Surcharge-free ATM ocations. Stife Bank and Trust Roya Banks of Missouri Eage Bank Commercia State Bank - Wateroo The Bank & Trust Co. Business Bank Premier Bank Midand States Bank HNB Bank N.A. Community Bank of Trenton First State Bank of St. Robert Crossroads Bank First Community Bank Henderson Nationa Bank Bank of O Faon First United Bank United Community Bank of West KY Sacramento Deposit Bank Farmers & Merchants Bank First State Bank Farmers Bank and Trust Company The Bank of Boivar Mid-America Bank & Trust Company Bank of Springfied Rochester State Bank Prairie State Bank & Trust Community Invovement January 2008 Memoria Medica Center s Festiva of Trees Memoria Medica Center s annua Festiva of Trees took pace November 17th through the 25th. BoS is a sponsor of this fund raiser. In tota, 25 Bank of Springfied empoyees vounteered their time to hep at this event. Tim Jenkins, Vice President Business Services chaired the Finance Committee and Lora Huebner, Vice President Commercia Lending chaired the Train Committee. The 2007 event attracted 30,000 peope and is expected to raise over $160, Bank of Springfied Bank of Jacksonvie bankofspringfied.com bankofjacksonvie.com
7 Shining the Spotight o n... BoS Ca Center When you visit one of our branches you see persona bankers, teers, branch managers and oan officers. These peope provide you with front-ine, face-to-face service when you need it. But did you know Bank of Springfied empoys over 170 peope, many of whom work behind the scenes to serve your banking needs? We receive roughy 150,000 phone cas per year. Seated: Erika Este, Megan Henson What s my baance? What are your current CD rates? Standing: Andrew Leonard, Caro Baird, I d ike to tak to someone about a mortgage. When are Sara Deford, Lynn Bandy, Linda Lowry you open? I need my home banking password reset. When BoS customers have a question, need service, or just want information on one of our products or services, they can rest assured that the Ca Center is ready to hep. Our ca center handes an average of 330 such cas each day. According to Lynn Bandy, Vice-President Operations, At BoS each and every empoyee is committed to providing our customers with exceptiona customer service. Our Ca Center empoyees are on the front ine of this effort. The first step in this process is to make sure each ca is routed to the proper person. Most banks use an automated system to rout their cas you know, press 1 to check a baance, press 2 for branch hours we beieve our customers deserve better. And that better way is to have an empoyee answer the ca, isten to the customer and connect them to the person best equipped to hande their question. says Bandy. Two very capabe empoyees, Caro Baird and Linda Lowry, are in charge of this function. Baird says the biggest chaenge is Each and every empoyee is Committed...to providing our customers with exceptiona customer service interpreting who the customer reay needs to speak with. Sometimes peope wi say they want to tak with someone about their existing mortgage. But, what they reay want is to speak with someone about refinancing their mortgage. Those are two totay different areas in the bank. And Lowry concurs. The thing I ike most about my job is heping customers get to the peope I know can hep them. When you ca it s ikey that you wi first tak with Caro or Linda. But, if they are both aready on the phone, Andrew Leonard, Megan Henson and Erika Este stand ready to answer your ca in the Ca Center. If they don t know the answer, they work to get the right peope invoved as soon as possibe. Bandy says his goa is to become a one-stop shop. He s working toward training a of his empoyees so they can hande most a customer questions. Customers shoud not have to be transferred more than once. Recenty, Sarah Deford, E-Commerce Officer, has been working with Andrew, Megan and Erika so they can hep customers with our Home Banking and Onine Bi Payment services. Deford says, More and more customers are moving to onine banking and we need to be prepared with more peope who can provide home banking customer service. And, Home Banking is gaining in popuarity. My customers ca me and thank me for heping them make their ives easier. That s the most rewarding part of my job. According to Bandy, it s an ongoing process. To deiver exceptiona customer service you have to accept the fact that there is aways room for improvement. Know someone worthy of recognition? Let us know! Send us a etter expaining who you fee needs to be in the spotight. We ook forward to hearing from you! Bank of Springfied wi be cosed on the foowing business days to observe these hoidays: Tues., Jan. 1st New Year s Day Mon., Jan. 21st Ma r t i n L. Ki n g, Jr. Bi r t hd a y Mon., May 26th Memoria Day Fri., Ju. 4th Independence Day Mon., Sept. 1st Labor Day Spotight on Service Business Hours Springfied 3400 W. Wabash Ave Stevenson Dr. 850 E. Madison Lobby M-Thr 8:30 am - 5:00 pm Friday 8:30 am - 6:00 pm Saturday 8:30 am - Noon Drive Up Teers M-Thr 7:30 am - 6:00 pm Friday 7:30 am - 7:00 pm Saturday 7:30 am - Noon (217) bankofspringfied.com Jacksonvie 1701 W. Morton Lobby M-Thr 8:00 am - 5:00 pm Friday 8:00 am - 6:00 pm Saturday 8:00 am - Noon Drive Up Teers M-Thr 7:30 am - 6:00 pm Friday 7:30 am - 6:00 pm Saturday 7:30 am - Noon (217) bankofjacksonvie.com St. Louis Metro-East 1717 N. Iinois Swansea, IL Lobby M-Fri 8:30 am - 3:30 pm Tues., Nov. 11th Veteran s Day Thurs., Nov. 27th Thanksgiving Day Wed., Dec. 24th Ch r i s tm a s Ev e (Cosing at Noon) Thurs., Dec. 25th Christmas Day 7
8 We re pretty excited too! Absoutey Free Checking No direct deposit required. No minimum baance. Now avaiabe at Bank of Springfied. rf ee Checking is Here! See a Persona Banker for more information. * Minimum to open $ Subject to credit approva. Member FDIC LKCS Bank of Springfied 3400 West Wabash ave Springfied, IL Customer Satisfaction Survey Drawing win with bos Congratuations to our winners! Jodi Perko Kathy Robinson Angea Campo Frank Higgason Barbara Fauman
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