Online Banking

Transfer funds, make loan payments and pay bills online.  Our Internet banking gives you access to your account activity anytime, anywhere.  With detailed transactions, balances and even Account Alerts (such as an email when your balance is low), it's now easier the ever to stay informed.  Organize your finances with electronic copies of checks and statements.  Along with detailed transaction history, you'll have a complete history of all you accounts in one convenient place.

     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.  24 hour phone number 815-777-8800.

     Free Personal Checking

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

     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.

     Interest Bearing Checking

If an account maintains a balance of at least $1,000 you can receive interest on your balance and write an unlimited amount of checks on the account. This account is available to individuals only and not-for-profit organizations.

     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

Direct Deposit is a smart way to get paid! For payroll, expense reimbursements, tax refunds, stock dividends, and pensions. Direct Deposit is a safe, fast and confidential way to receive payments automatically.

     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.

     Consumer Loans

Our Bank offers a wide variety of consumer loans for vehicles, recreational purposes, and personal loans.

     Real Estate Loans

Our Loan Department specializes in real estate lending. We offer a range of real estate loans that includes residential, vacation and commercial real estate loans.

     Home Equity

Home Equity loans can be a source of funds for many reasons; home improvements, debt consolidation, and many other purposes. Ask us to provide you with an overview of how a Home Equity Loan can help you manage your finances.

     Commercial

We offer financing for small businesses that includes real estate loans, equipment loans, and operating lines of credit. Call us to discuss how we can help your small business meet its growing financing needs.

     Asset Management **

If you are considering selecting a Trustee for the management of your financial assets for a beneficiary, many people want professional administration. However, they are also concerned that the professional trustee will demonstrate a caring style that embraces ongoing communication with the client. Our Trust/Investment Department is large enough to accommodate the management of investments for the client, but small enough to offer personalized and thoughtful assistance to the client or the beneficiaries that are to be provided for.

     Investment Management **

In instances where investment management is the objective, our Trust/Investment Department has developed a sound investment strategy that is backed by years of experience. We have developed an affiliation with a large and respected company that provides our Trust/Investment Department with outstanding research and excellent account administration. This association, coupled with our personalized approach to client contact has permitted us to deliver the best of both worlds--exceptional service with a caring attitude.

     Stability

Finally, as a locally owned community bank, you can expect the stability and continuity that is vital to managing assets for a client. Our staff is comprised of many people who grew up and live in the community and our philosophy is to treat our employees as family. The result is a Trust/Investment Department that is comprised of dedicated people who look forward to developing a client relationship that will last for many, many years.

     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

**Investment products are not FDIC insured, nor are they deposits or obligations of, or guaranteed by your financial institution (Apple River State Bank).  Investment products are subject to risk including possible loss of principal.