Apple River State Bank and First Community Bank of Galena, a branch of Apple River State Bank, is participating in the FDIC’s Transaction Account Guarantee Program.  Under that program, through June 30th 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

     Overview

Deposit services are usually taken for granted in this age of banking competition. We believe, however, that this product is at the core of banking and meeting customer needs. We pride ourselves on accurate service, competitive rates, and personal attention to your account.

Our regular checking account requires no minimum balance, assesses no monthly fees, and no per check charge. Our checking account is totally free.

     Interest Bearing Checking

Call or email for details.  815.777.6300

     Savings Account

We believe that small savers should receive a competitive interest rate also, so our Savings Account pays a very attractive interest rate. There is no minimum balance required to earn interest.

     Direct Deposit

          We offer automatic transfer of funds at no additional charge.
   

     Certificates of Deposit

We offer a wide range of terms on our Certificates, and all pay highly competitive rates of interest. Interest can be paid by adding it back onto the certificate, transferred to another account or paid by check.

     IRA Accounts

We offer IRA's that may have various tax benefits for customers. The range of investments available for your IRA are very comprehensive and flexible for every age, investment objective and risk tolerance.

     ATM and Debit Cards

Although we offer free checking, many customers appreciate the convenience of using their VISA Check Card to pay for purchases. The amount is taken directly from your Checking Account and reflected on your Checking Account statement. We also offer the traditional ATM card that allows you to get cash at hundreds of locations nationwide.

     24-hour Access Banking

When you can't get to the Bank during normal hours, we offer 24 Hour Telephone Banking that can give you account information, transaction summaries, interest rates on deposits, loan payment projections and transfer of funds to/from accounts.

     Lockbox and Night Depository

We offer a selection of Safety Deposit boxes for storing your valuables, and conveniently located Night Depository for after-hours banking.

     Community Club

Persons age 50 or better who maintain a $5000 deposit relationship with Apple River State Bank or First Community Bank of Galena are eligible to receive many additional benefits, for example:

• Enhanced Interest Rate on Now Account
• Free checks
• Free ATM or Debit Card
• Reduced rate on yearly safety deposit box fee
• Bonus rate on new deposit Certificates of Deposit
• Free cashier checks and money orders
• Free travelers checks
• Newsletter
• Social opportunities like seminars, trips, card parties and bingo