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Fees & Charges

Main Street Checking and Main Street Preferred Checking (for customers 55 and over)
RATE INFORMATION

    Determination of interest rate - At our discretion, your interest rate and annual percentage yield may change. Determination of the rate is based on tiered balance amounts, as follows:
    • $0 - $2,499.99
    • $2,500 - $4,999.99
    • $5,000 and above

    Frequency of interest rate changes - At our discretion, we may change the interest rate for your account at any time.

    Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest.

    Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (e.g. checks).
MINIMUM BALANCE REQUREMENTS

    Minimum balance to open the account - To open this account, you must deposit a minimum of $100.00.

    Minimum balance to avoid the imposition of fees
    • A service charge fee of $5.50 will be imposed every statement cycle for Main Street accounts.
    • A service charge fee of $3.50 will be imposed every statement cycle for Main Street Preferred accounts.
BALANCE COMPUTATION METHOD

    We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

    An account is dormant if for one year you have made no deposits or withdrawals to the account.
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First National Bank of Sullivan - firstsullivan.com
1 South Main Street, Sullivan, IL 61951
(217) 728-4302
503 South Hamilton, Sullivan, IL 61951
(217) 728-4303
Equal Housing Lender / Member FDIC
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