FREE CHECKING WITH OVERDRAFT PRIVILEGE...CLICK HERE FOR MORE INFORMATION

*A truncated account is free!

Personal Benefits of Check Imaged Statements

• Checks are in numerical order
• 12 checks per page
• Easy to reconcile
• Easy to store

The BanClub Package Includes:

• Unlimited check writing
• No minimum balance
• Two free check orders per calendar year
• $10,000 accidental death insurance policy*
• FREE Travelers checks, cashiers checks and money orders
• FREE Notary services
• 50% discount on small safe deposit box rental
• Monthly magazine with discount purchasing opportunities at national companies
• IBERVILLE BANK BANCLUB Membership Card
• Credit card registration

Customers must be 18 years of age or older to qualify for this BanClub account.

Imaged statements included with monthly fee!

* Children's insurance coverage only, between 0 days and 25 years of age, unmarried, dependent on Member for support. Includes stepchildren, adopted children and foster children. Effective coverage is when the bank receives Membership Agreement Card. Insurance principal sum reduces 50% at the age of 70 years.
__________________________________________________________
* This product is not a deposit or other obligation of Iberville Bank or any affiliate of Iberville Bank. 
This product is not guaranteed or insured by Iberville Bank or any affiliate of Iberville Bank
This product is not insured by the Federal Deposit Insurance Corporation (FDIC) 
This product is not insured by any federal government agency.

Designed for individuals whose minimum balance varies and who write only a few checks each month, the first five debit items each month are free. Each additional debit charge is $0.25. this account is automatically truncated and customers receive a monthly account summary without canceled checks.

If you would like assistance on budget planning, savings accounts, automobile loans, applying for credit and proper handling of your checking account, please contact us. We look forward to being your bank for life.

Whether you plan to attend a four year college, technical college or start a career, welcome to the real world. Enjoy this student benefit because as you will see in the real world, monetary breaks are few and far between!

* This monthly service charge waiver expires 60 months (5 years) after anticipated date of high school graduation.

At Iberville Bank, we appreciate the wisdom and financial security you have earned during your life. Whether you are ready to travel or tighten your financial belt, Iberville Bank offers persons 62 years of age and older a special Senior Checking Account. a Seniority Status card (with proof of D.O.B.) is issued when you open this account.

This account requires no minimum balance with the added features of  free money orders, cashier's checks, a no anuual fee VISA / Mastercard (subject to normal credit approval), and free traveler's checks. As an added bonus, Senior Checking customers are offered a CD bonus rate.

For a low monthly service fee of $5.00, this account provides the convenient and technologically advanced check imaging feature. The first 15 debit items each month are free with a$0.20 per debit fee for each additional check.

This account is non-interest bearing with the option of check imaging or truncation. (A truncated account is free, and the customer receives a monthly account summary without canceled checks and debits.) A minimum deposit of $100.00 is required to open the Senior Checking Account. With this account, Iberville Bank customers may access their account with our 24 hour bank by phone, on-line banking or ATM card. Direct deposit is also available and especially convenient for your Social Security check.

Benefits of Check Imaged Statements

• Checks are in numerical order
• 12 checks per page
• Easy to reconcile
• Easy to store

return to top

Iberville Bank's NOW and Super NOW Accounts are designed for non-profit organizations operated primarily for religious, philanthropic, charitable, educational, fraternal or similar purposes. At Iberville Bank, we understand the importance of cash flow to both individuals and organizations of all kinds.

The monthly service charge is based on your average daily account balance. Interest is accrued daily and paid monthly with a monthly imaged statement. Market interest rates are paid and subject to change daily.

Our NOW and Super NOW Accounts establish service charges based on your monthly minimum balance with unlimited debit items. This account provides the convenient and technologically advanced check imaging feature.

Benefits of Check Imaged Statements

• Checks are in numerical order
• 12 checks per page
• Easy to reconcile
• Easy to store

With our NOW Checking Account a $0.15 per debit item fee is assessed. A minimum deposit of $100.00 is required to open a NOW Checking Account.

Statements are issued quarterly. Customers with automatic deposits  or debits receive statements for the month when those transactions take place. Interest rates are subject to change daily.

In addition to making withdrawals in person, you can easily access your Regular Savings Account with our 24 hour bank by phone, on-line banking, or ATM / Debit Card.

If you or your child are less than 18 years of age, consider the benefits of a Young Savers Savings Account.

Any Regular Savings Account which is closed prior to three months from opening will be charged a $10.00 closing fee.

Our Young Savers Account has neither service charge nor activity fees and only $10.00 is required to open the account. Young Savers is available only to individuals 17 years of age and younger. Statements are issued quarterly. Customers with automatic deposits  or debits receive statements for the month when those transactions take place. In addition to making withdrawals in person, you can easily access your Young Savers Account with our 24 hour bank by phone, on-line banking, or ATM / Debit Card.

Interest is compounded quarterly and credited to your account quarterly. Interest rates are subject to change daily. The monthly service charge override expires on your 18th birthday.

Need a checking account? Check out our Student Checking Account with no monthly service charge. If you would like assistance on budget planning, savings accounts, automobile loans, applying for credit and proper handling of your checking account, please contact us. We look forward to being your bank for life.

Deposits insured up to $100,000.00 by the FDIC.

Deposits using coupon books may be made for any amount per deposit. Coupon book deposits may be made at any interval during the year. Your Christmas Club Account check is issued on or about November 1 for the amount deposited plus interest accrued.

An early close fee of $10.00 is charged on any Christmas Club Account closed before the end of the period.

"Payable on Death" Accounts may only be established for the benefit of a person who qualifies as one of the immediate family categories as outlined. When opening a "Payable on Death" Account, the account owner must provide an affidavit stating the named beneficiaries are his/her spouse, children and/or grandchildren. Iberville Bank will open only INDIVIDUAL OWNERSHIP Accounts. The individual owner (i.e. John Doe) controls the account.

Iberville Bank will open "Payable on Death" Accounts using ONLY the terminology, "Payable on Death to," i.e John Doe "Payable on Death to" Mary Doe.

In the event an owner of a "Payable on Death" Account wishes to pledge same as collateral on a loan, the owner has two options:

1. Transfer an amount from the "Payable on Death" Account to another account for pledge under the owner's name only.
2. All beneficiaries must concur in the pledge by executing the collateral pledge agreement provided they are 18 years of age or older.

Payment of funds to a beneficiary upon the death of the account owner must include the following procedures:

1. The beneficiaries must identify themselves to the satisfaction of the bank.
2. The deposit instrument must be presented for cashing.
3. The beneficiaries must present a certified true copy of the death certificate.
4. In the case of multiple beneficiaries, the proceeds of a "Payable on Death" Account will be paid equally to all.

A minimum deposit of $100.00 is required to open a Payable on Death Account.

* By definition, children include natural, adopted and/or stepchildren. Grandchildren include the natural, adopted and/or stepchildren of the depositor's children.

return to top

The monthly service charge is based on your average daily account balance. Interest is accrued daily and paid monthly with a monthly imaged statement. Market interest rates are paid and subject to change daily. Our Money Market Checking Account establishes service charges based on your monthly minimum balance. Six (6) debits are included in the monthly service fee. Only 3 of the 6 debits may be third party debits. This account provides the convenience and technologically advanced check imaging feature.

Benefits of Check Imaged Statements

• Checks are in numerical order
• 12 checks per page
• Easy to reconcile
• Easy to store

There is a minimum deposit of $2,500.00 required to open this account. Iberville Bank customers may access their account with our  24 hour bank by phone, on-line banking or the ATM card. Direct deposit is also available.

Deposits insured up to $100,000.00 by the FDIC.

If you would like assistance on savings accounts, mortgage loans or commercial loans, please contact us. We are proud to be your full service COMMUNITY bank.

return to top

To make your continued savings plan easy for you, upon Certificate of Deposit maturity you have the option of withdrawing the funds, transferring the funds or rolling the CD over. The rollover rate will be at the competitive rate available that day and you will receive a new certificate.

A minimum deposit of $1,000.00 is required to open any Time Deposit Account. Deposits are insured up to $100,000.00 by the FDIC. For current rates and terms, contact any of our offices.

Seniority Status account holders receive 0.25% above our advertised rates.

return to top

A minimum deposit of $100.00 is required to open an Individual Retirement Account. Additional Deposits may be made at any time. Rates and terms are based on market rates and are subject to change. Please consult your tax advisor for tax deductibility.

Individual Retirement Accounts (IRA) are insured up to $250,000.00 by the FDIC.

return to top

Any business, sole proprietorship, corporation or limited liability company is eligible for this account.

This Commercial Checking Account provides the convenient and technologically advanced check imaging feature. This is a noninterest-bearing account.

Benefits of Check Imaged Statements

• Checks are in numerical order
• 12 checks per page
• Easy to reconcile
• Easy to store

A minimum deposit of $100.00 is required to open a Commercial Checking Account. Iberville Bank customers may access their account with our 24 hour bank by phone, on-line banking or the ATM card. Direct deposit is also available.

If you would like assistance on Money Market Accounts, automobile loans or commercial loans, please contact us. We are proud to be your full-service COMMUNITY bank. Imaging the convenience of banking with Iberville Bank for both your personal and commercial business.

return to top