Introducing. Locally Owned 200 East Broadway Monmouth, IL

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1 Introducing Locally Owned 200 East Broadway Monmouth, IL

2 Mint Checking is a unique account that offers both great convenience and great returns. If you prefer the ease of using a debit card, online banking and e-statements, you will be rewarded with a higher interest rate. 2

3 It is a free account with no minimum balance requirement and no monthly service charge which pays a higher rate of interest when account requirements are met. Learn about the requirements 3

4 Mint Checking Account The following criteria must be met each statement cycle to qualify for the Highest Rate of Interest Debit Card Purchases 1 Direct Deposit Requirements e-statement delivery through our FREE Internet Banking 4

5 Mint Checking Statement Cycle The statement cycle for Mint checking runs from the first business day of each month through the last business day of each month. (business days are Monday thru Friday) 5

6 Interest Rate Earn Interest On Your Money! Use this extra money to pay bills; donate to your favorite charity; or deposit it to your savings account. WOW! What A Cool Rate A Rate of 4.05% APY* will apply for balances from $0.01 to $20, A Rate of 0.25% APY* will apply for balances over $20, Annual Percentage Yield (APY) is effective as of August 2, 2010 Account requirements must be met each statement cycle to obtain the higher rate of interest; if requirements are not met, the rate is the same as our current NOW account rate of 0.25% APY Interest on the Mint Checking Account is a variable rate, calculated on the daily balance and credited to the account on the last business day of each month. Rates and terms are subject to change at the bank s discretion. Rates and APYs are posted on our rate sheet. 6

7 Requirement Debit Card Purchases 15 Debit Card Purchases Per Statement Cycle Example: purchases for gas, groceries, school supplies etc. ATM Transactions do not qualify. 7

8 Requirement 1 Direct Deposit One ACH Direct Deposit Per Statement Cycle Examples of ACH Direct Deposits payroll; social security; pension If one deposit is not automatically made each month the account will not meet the requirements. 8

9 Requirement Internet Banking Sign Up For Internet Banking You will need to sign up for Internet Banking to receive e-statements Benefits of Internet Banking View your account balances View your account transactions Transfer money between accounts example from checking to your savings account 9

10 Requirement e-statement Save the Trees Go to to enroll for e-statements Sign the enroll form and drop off at the bank You will be notified by each month that your statement is available online. No special equipment is needed Secure; Access ID and Secure Password must be used to retrieve and view bank statement information Say good-bye to snail mail 10

11 If requirements are met ATM fees will be refunded up to $20 per statement cycle WOW! What A Account! ATM fees will be refunded up to $20 per statement cycle if requirements are met. If requirements are not met, ATM fees will not be refunded for that statement cycle. 11

12 Account Disclosure: *Annual Percentage Yield (APY) is accurate as of 8/2/10 and will be paid on balances of $.01 to $20,000 if all account requirements are met. **The portion of the balance that exceeds $20,000 will earn the published NOW Account rate in effect at that time. If account requirements are not met the account will earn the published NOW account rate in effect at that time. The interest rate is variable and rates and terms are subject to change without notice. Interest is calculated on the daily balance and credited to the account monthly. Interest is paid to the account on the last business day of each month. Account requirements to earn the stated APY are as follows: 15 debit card purchases per statement cycle One direct deposit per statement cycle Internet Banking and e-statements ATM transactions do not count as a purchase. ATM fees of up to $20.00 per statement cycle will be refunded if account requirements are met. ATM fees will not be refunded if the account requirements are not met. This account has no minimum balance requirement and no monthly service charge. A $ deposit is required to open the account. Approval to open account is pending ChexSystems verification. This account is limited to personal accounts and only two accounts are allowed per household. 12

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14 Bill Pay Hectic Schedule? Need an easy way to manage your bills? Schedule recurring bills, plus choose the payment date Set up bill payment reminders Nickname accounts such as trip account; real estate tax account Internal transfers between accounts checking to savings External transfers to MBWI from other financial institutions Save purchasing stamps & envelopes STOP WRITING CHECKS! Pay bills in minutes; faster than writing a check. Use our FREE bill pay! 14

15 Go to Get the convenience of banking right in the palm of your hand! Sign Up Today! 15

16 When you sign up for your Debit Card be sure to tell us your favorite school. Chalk up Money for Schools Each time you make a purchase using your VISA SHAZAM ChekCard, the bank will donate 1/10 of one percent of the purchase price to your favorite school. There is no cost to you or to the schools. All you need to do is tell us your favorite school! Start using your debit card for groceries, gas, school clothes, on-line purchases or bill payments. Sign Up Now Midwest Bank Chalk up Money for Schools program has paid local schools $27,

17 Thank You! Remember if you have questions please call your local branch or the main bank at