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
     Direct Deposit
     FAX Services
     Medallion Signature Guarantee
     Notary Services
Photocopies
Safe Deposit Boxes
Senior Citizen Checking
Student Checking
Flat Fee Checking
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 ACCOUNT
$100 minimum deposit to open account.
If the daily balance falls below $500 anytime during statement cycle there will be a maintenance fee of $4.00 plus a charge for debit fee of .20 for each transaction.

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

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CHOICE CHECKING ACCOUNT
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. A maintenance fee of $6.00 will be charged per statement cycle on this account.

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NOW ACCOUNT
Checking plus interest! No limitations on the number of checks written.

$1000 minimum deposit to open.
If the daily balance falls below $1,000 anytime during statement cycle there will be a maintenance fee of $5.00 plus a charge for debit fee of .20 for each debit transaction.

INTEREST RATES ARE SUBJECT TO CHANGE AT ANY TIME.

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RAINBOW ACCOUNT
This account is designed especially for a special group of customers:
Minimum age 50
$100 Minimum Deposit to Open
No Minimum Balance Required to Avoid Fees
Interest Bearing Account
$10 Discount on Safe Deposit Box Rental Fee
FREE Standard Bank of Monticello Checks
NO FEE for Purchase of (2) Cashier's Checks per Month. (If more than 2 per month are purchased, there will be a fee of $2.00 each.)
Unlimited Check Writing


*Interest rate is subject to change at any time.

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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 debit transactions per month. Interest rates are subject to change at any time.

$1000 minimum deposit to open
If the daily balance falls below $1000.00 anytime during the statement cycle there will be a maintenance fee of $5.00. A charge for debit fee of $2.00 will be charged for each debit transaction in excess of 6 per month.

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PREMIUM MONEY MARKET ACCOUNT
Minimum deposit to open account is $50,000. Interest rate is subject to change at any time. Outside transactions are limited to 6 debit transactions per month.

If the daily balance falls below $1000.00 anytime during the statement cycle there will be a maintenance fee of $5.00. A charge for debit fee of $2.00 will be charged for each debit transaction in excess of 6 per month.
Rates are tiered according to daily balance and are subject to change at any time.

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REGULAR 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. Bank of Monticello Regular Savings is available for all ages. Minimum deposit to open this account is $100.00. The interest rate is subject to change at any time. Outside transactions are limited to 6 debit transactions per month; however, Bank of Monticello will charge a withdrawal fee of $2.00 for each debit transaction in excess of one per quarter. A maintenance fee of $5.00 will be imposed every quarter if the daily balance drops below $100.00 any day of the quarter.

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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 $10 discount on boxes.

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LOANS
Bank of Monticello offers simple interest loans. 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

Bank of Monticello and its Mortgage Originators are registered with the Nationwide Mortgage Licensing System. Our NMLS identification numbers are:

Bank of Monticello 758190
Don B. Kelly 758907
Steve W. Jordan Sr. 758908
S. Walker Jordan Jr. 758909
J. Graham Bearden 758910
Angela Spivey 758911