Altura State Bank, Personal Banking, Commercial Banking, Altura, Minnesota, Convenient ATMs
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Checking account with interest, HSA, Health Savings Account, Insured Money Market Account, CDsPersonal Banking

At Altura State Bank, you will find an experienced and professional staff that is happy to assist you with all of your personal banking needs.  Please select an option below for additional information.

 

  • Deposit Accounts
  • Loans
  • Other Services

Altura State Bank offers checking, savings, and certificate of deposit accounts to meet all of your personal banking needs.  All accounts include free 24-hour access to our telephone and internet banking products.  Please contact a member of our experienced and professional staff for additional information and details on the products offered.

Regular Checking

  • Monthly Maintenance Fees – No Fee
  • Transaction Fees and Restrictions – Unlimited check writing
  • Interest Information – Interest is not paid on this account
  • Check Image Statements – Checks are listed in check number order for easy balancing of statement
  • Debit/ATM card available

NOW Checking with Interest

  • Monthly Maintenance Fees – If the average daily balance falls below $800.00 for the monthly statement cycle, there will be a $5.00 maintenance fee
  • Transaction Fees and Restrictions – Unlimited check writing
  • Interest Information – No minimum balance to earn interest. Interest is earned using the average daily balance method and is paid each statement cycle. All rates are subject to change at Altura State Bank’s discretion and are available upon request.
  • Check Image Statements – Checks are listed in check number order for easy balancing of statement
  • Debit/ATM card available

Super NOW Checking with Interest

  • Monthly Maintenance Fees – If the daily balance falls below $1,000.00 during the monthly statement cycle, there will be a $8.00 maintenance fee
  • Transaction Fees and Restrictions – Unlimited check writing
  • Interest & Rate Information – Interest is earned using the daily balance method and is paid each statement cycle. The interest rate is tiered based on the account balance. All rates are subject to change at Altura State Bank’s discretion. Tiers and rates are available upon request
  • Check Image Statements – Checks are listed in check number order for easy balancing of statement
  • Debit/ATM card available

HSA Checking with Interest*

  • Monthly Maintenance Fees - No Fee
  • Transaction Fees and Restrictions – Unlimited check writing
  • Interest & Rate Information – Interest is earned using the daily balance method and is paid each statement cycle. The interest rate is tiered based on the account balance. All rates are subject to change at Altura State Bank’s discretion. Tiers and rates are available upon request
  • Check Image Statements – Checks are listed in check number order for easy balancing of statement

*Consult your tax advisor

Insured Money Market Account

  • Statement Maintenance Fee – A maintenance fee of $8.00 will be imposed each statement cycle if the daily balance falls below $1,000.00
  • Six checks or drafts allowed during a statement cycle; transaction limitations apply
  • Interest & Rate Information – Interest is earned using the daily balance method and is paid each statement cycle. The interest rate is tiered based on the account balance. All rates are subject to change at Altura State Bank’s discretion. Tiers and rates are available upon request
  • Image Statements

Passbook Savings

  • Statements – No periodic statements (Passbook entry only)
  • Item Fees and Restrictions – An item fee of $2.00 will be charged for each debit transaction in excess of nine during a quarter (this fee will not apply to pre-authorized loan payments).  3rd party electronic debits not allowed; Transaction limitations apply
  • Interest & Rate Information – Interest is earned using the daily balance method and is paid every quarter. All rates are subject to change at Altura State Bank’s discretion and are available upon request

Statement Savings

  • Statement Maintenance Fee – A maintenance fee of $1.00 will be imposed each quarterly cycle if the daily balance falls below $100.00
  • Item Fees and Restrictions – An item fee of $2.00 will be charged for each debit transaction in excess of nine during a quarter (this fee will not apply to pre-authorized loan payments). Transaction limitations apply
  • Interest & Rate Information – Interest is earned using the daily balance method and is paid every quarter. All rates are subject to change at Altura State Bank’s discretion and are available upon request
  • Image Statements

All of the above accounts can be protected by automatic transfers.

Certificates of Deposit (CD’s)

  • Various terms available to fit your investment needs
  • Competitive rates
  • Interest can be compounded or paid by check
  • Minimum balance to open varies by CD
  • Early withdrawal penalties apply

Altura State Bank’s loan department is committed to providing excellent customer service on personal loans.  We listen to you, the customer, in order to find a loan product and terms that fit your needs.  We are proud to provide expert financial advise along with competitive rates and terms. 

We provide the following types of personal loans:

  • Real Estate Loans
  • Home Improvement Loans
  • Auto Loans
  • Collateral Loans
  • Personal Loans

Please contact a loan officer to discuss any personal loan needs.

Please contact a member of our experienced and professional staff to discuss the following additional services:

Individual Retirement Accounts (IRA’s)*

  • No maintenance fees
  • FDIC insured accounts provides safety and security
  • Competitive rates
  • Knowledgeable and experienced staff

Health Savings Accounts (HSA’s)*

  • No maintenance fees
  • FDIC insured accounts provides safety and security
  • Competitive rates
  • Knowledgeable and experienced staff

Safe Deposit Boxes

  • Various sized boxes
  • Low annual fees

Wire Transfers

  • Domestic and International
  • Competitive fees

Notary Public

  • Free to customers
  • $5 fee for non-customers

Debit/ATM Card

  • A Check card is available on selected accounts to qualifying individuals (fees may apply). 
  • The card may be used at Automatic Teller Machines (ATMs) to make withdrawls or balance inquiries. 
  • The card may also be used at merchants for purchases, with the cost of the purchase being deducted from your account just like a check.

 

* Consult your tax advisor

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   Altura State Bank • 411 N Main St. • Altura, MN 55910 • (507) 796-6761
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