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Consumer Checking
Freedom Checking 
Straight forward checking-no monthly service charge-no minimum balance. 
 
Minimum to open: $100  
Monthly service fee: None  
Minimum daily balance: None  
Interest earning: No  
Check return options: Check Safekeeping  
Additional features: First 50 checks are complimentary when you order duplicate checks.  
 
Regular Checking  
The convenience of imaged statements.  
 
Minimum to open: $100 Monthly service charge: $5 plus .10 per debit if minimum balance falls below $100.  
Minimum daily balance: $100   
Interest earning: No  
Check return options: ReadyImage Statements  
 
NOW Checking  
Interest earning checking. Put your money to work for you. 
 
Minimum to open: $500  
Monthly service fee: $5 (if daily balance falls below $500)  
Minimum daily balance: $500  
Interest earning: Yes. Earned on daily balance.  
Check return options: Check Safekeeping or ReadyImage Statements  
 
Checking Plus 
A feature rich account with the added security of accidental death insurance.* 
 
Minimum to open: $100  
Monthly service fee:  
$6 for $10,000 Coverage* 
$7 for $20,000 Coverage* 
$8 for $30,000 Coverage*  
Minimum daily balance: None  
Interest earning: No   
Check return options: Check Safekeeping or ReadyImage Statements  
Additional features: Free Checking Plus Logo Checks No Charge on Money Orders, Cashier’s Checks & Traveler’s Checks  
 
*Disclosure: This insurance feature is not insured by the FDIC, or any agency of the federal government or the bank or any affiliate of the bank. This insurance is not a deposit or obligation of or guaranteed by the bank or any affiliate of the bank.  
 
Senior Checking 
An account with no monthly service fee and no minimum balance for those age 50 or better.  
 
Minimum to open: $100  
Monthly service fee: None   
Minimum daily balance: None   
Interest earning: No   
Check return options: Check Safekeeping or ReadyImage Statements  
 
Northern Neighbors 
A feature rich account with magnificent social benefits for those age 50 or better.  
 
Minimum to open: $100  
Monthly service fee: None   
Minimum daily balance: None   
Interest earning: No   
Check return options: Check Safekeeping or ReadyImage Statements  
Additional qualifications: Must maintain a $1500 balance in any combination of Checking or Savings or maintain $5000 in any combination of CD's.  
Additional features: Complimentary Northern Neighbor Logo Checks, No Charge for Money Orders, Cashier's Checks or Traveler's Checks. Plus regular Club Newsletters, Activities & Trips.  
 
*For more information, or to open a Border State Bank checking account, contact one of our Personal Bankers.  


EXPERIENCE 
ENHANCED  
Online Banking! 
 
Categorize your spending and budgeting! 
 
QuickBooks &  
Quicken downloads! 
 
24/7 - After Hours customer support! 
 
Simplify your life with 
Online Bill Pay 
& 
E-Statements! 
 
MOBILE BANKING: 
LIVE in MARCH 2012! 
 
After Hours Customer Support:  
1-855-448-3500 
 
 
Funds are FDIC insured: 
As of July 21st, 2010, The permanent standard insurance amount is $250,000 per depositor.  
 
"With this permanent increase of deposit insurance coverage to $250,000, depositors with CDs above $100,000 but below $250,000 will no longer have to worry about losing coverage on those CDs maturing beyond 2013. We strongly encourage all bank depositors who have questions about their insurance coverage to go to our Web site at www.fdic.gov and use our Electronic Deposit Insurance Estimator (EDIE) or call our toll-free number at 1-877-ASK-FDIC. Insured deposits provide the comfort and peace of mind to depositors that their money is 100 percent safe – provided they keep their deposit balances within the insurance limits," said FDIC Chairman Sheila C. Bair.  
 
FDIC Guarantee Program: 
As of December 19th, 2008, Border State Bank is participating in the FDIC’s Transaction Account Guaranty Program. Under this program, through December 31, 2010, all non-interest bearing transactions (including Border State Bank’s NOW checking account) are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guaranty Program is in addition to and separate from the coverage available from the FDIC’s general deposit insurance rules.   
 
 


FDIC
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