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
$100 minimum deposit to open account.
$500 and over ------------------------- No Charge
Under $500 anytime during statement cycle there will be a maintenance fee of $4.00 plus a charge for check fee of .20 for each transaction.

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STUDENT CHECKING
Students who are actively enrolled in High School or College will be exempt from any 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. 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.
$1000.00 and over ------------------- NO CHARGE
$999.00 and under ------------------- Maintenance fee of $5.00. Charge for check fee of .20 will be charged for each debit transaction.

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
"$100 Minimum Deposit to Open
" 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 debit transactions per month. Interest rates are subject to change on a weekly basis.

$1000 minimum deposit to open
$1000.00 and over ------------------- NO CHARGE
$999.00 and under ------------------- Maintenance fee of $5.00. Charge for check 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 on a weekly basis. Outside transactions are limited to 6 debit transactions per month.

$1000.00 and over ------------------- NO CHARGE
$999.00 and under ------------------- Maintenance fee of $5.00. Charge for check 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 on a weekly basis.

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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.

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REGULAR SAVINGS
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 on a weekly basis. 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 $2.00 will be imposed every month if the balance drops below $100.00 any day of the month.

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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