Deposit Accounts
      Personal Checking Accounts
      Commercial Checking Accounts
      Interest Bearing Checking Accounts
      Savings Accounts
      Certificate of Deposit
      Individual Retirement Accounts

Loans
     Installment
     Commercial
     Mortgage
     Lines of Credit

Other Services

After Hour Depository      Automated Teller Machine      Bank by Mail      Cashier's Checks      Christmas Club Accounts      Direct Deposit      FAX Services      Medallion Signature Guarantee      Money Orders      Notary Services

Photocopies Safe Deposit Boxes Senior Citizen Checking Student Checking Flat Fee Checking Travelers Checks U.S. Savings Bonds Wire Transfers Twenty Four Hour Banking Infoline

DEPOSIT ACCOUNTS
The Bank of Monticello offers convenient account service for individuals, businesses, institutions and organizations. We provide 24-hour checking account services for individuals via our ATM machine located at the Main Office and 24-hour Infoline. 1-888-468-5216.

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REGULAR CHECKING
$500 and over ------------------------- No Charge
Under $500 anytime during statement cycle there will be a charge of $4.00 plus $.20 per check.

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STUDENT CHECKING
Students who are actively enrolled in High School or College will be exempt from any service fees. $25.00 minimum deposit required to open account.
No minimum balance required.
Standard Bank of Monticello checks are FREE on first order.

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CHOICE CHECKING
Choice Checking is an exciting value club program which gives customers a whole new way to save on banking services. The minimum deposit to open Choice Account is $100.00. The service charge is a flat fee of $6.00 per month with unlimited number of checks.

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NOW ACCOUNT
Checking plus interest! Interest is paid on daily ledger balance. No limitations on the number of checks written.

$1000.00 and over ------------------- NO CHARGE
$999.00 and under ------------------- $5.00 plus $.20 per check

INTEREST RATES ARE SUBJECT TO CHANGE WEEKLY.

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RAINBOW ACCOUNT
This account is designed especially for a special group of customers:
" Minimum age 50
" No Minimum Balance Required
" Interest Bearing Account
" 25% Discount on Safe Deposit Box Rental Fee
" FREE Standard Bank of Monticello Checks
" NO FEE for Purchase of Travelers Checks
" NO FEE for Purchase of (2) Money Orders per Month. (If more than 2 per month are purchased, there will be a fee of $2.00 each.)

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MONEY MARKET ACCOUNT
With a minimum deposit of $1000.00, it is possible to earn Money Market rates with the manageability of a checking account. Outside transactions are limited to 6 checks per month. Interest rates are subject to change on a weekly basis.

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SUPER MONEY MARKET ACCOUNT
Minimum deposit to open account is $50,000. If balance drops below $1,000.00 during the statement cycle, there will be a $5.00 service charge. Interest rate on the Super Money Market Account is subject to change on a weekly basis.

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SAVINGS
Bank of Monticello will provide advice on savings plans that will help you reach your goal. Our plans are flexible, and you may want to transfer from one account to another as your funds grow.

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STATEMENT SAVINGS
Bank of Monticello Statement Savings is available for all ages. Minimum deposit to open this account is $100.00. The customer must maintain this balance of $100.00 throughout the entire quarterly cycle to avoid a $3.00 service charge. Customers are allowed one withdrawal per quarterly cycle and if more than one, the customer will be charged $2.00 for each additional withdrawal. Interest earned is subject to change on a quarterly basis.

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CERTIFICATE OF DEPOSIT
We offer a variety of certificate of deposit accounts. Time period ranges from 1 month to 60 months. Ask for rates and details.

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IRA
The Individual Retirement Account gives you a tax deduction now and added income when you retire. We offer many different IRA accounts and would be glad to give you rates and details anytime.

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SAFE DEPOSIT BOX
The following are available sizes:

Box Size
(A) 3 x 10
(B) 5 x 10

Rainbow Account holders get a 25% discount on boxes.

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LOANS
Bank of Monticello offers simple interest loans, no interest added in advance. You only pay simple interest figured daily for length of the loan.

Personal Loans
Auto Loans
Real Estate Loans
Business Loans
Home Improvement Loans
Single payment Loans
Commercial Loans

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CREDIT LIFE/ACCIDENT INSURANCE
You may add credit life or accident and health insurance to your consumer loan to provide additional financial security. This insurance may be purchased at the time of loan transaction.

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