First Bank of Boaz
BANKING HOURS: MONDAY - THURSDAY: 9:00 a.m. to 4:00 p.m. FRIDAY: 9:00 a.m. to 5:30 p.m. 24 hour Drive-Up ATM Banking 24 Hour Telephone Banking: 256/593-4018 Make cash withdrawals, balance inquiries, funds transfers, deposits and loan payments from the safety and comfort of your car; 24 hours a day. There is no charge to use our machine and your card will work at hundreds of other ATM machines across the country, making your account always available. If you have used a walk-up ATM in bad weather or after dark, you will really see the benefits of our drive-up ATM. DEBIT CARD - The Go-Everywhere, Do-Everything First Check Card. Allows you to access your checking account at all merchants that accept Master Card and Visa. *Certificates of Deposit: 1 month to 5 year maturity at competitive rates. Penalty for early withdrawl. Loss of one months interest on maturities one year or less and loss of three months interest on maturities over one year. *IRA Accounts: Save for retirement - Save taxes *Premier Investment Account: $10,000.00 minimum balance, interest at competitive market rates, available for withdrawal any time. *Statement Savings Account: Good way to save extra money, available for withdrawal any time. *Checking Accounts: 55 Plus - Free checks, no service charge to customers 55 years or over. *Checking Accounts: First Club - Unlimited check writing, free checks, accidental death insurance and other services for $7.00 and $9.00 per month. *Checking Accounts: Now Account - $1,000.00 minimum balance, interest at competitive market rates, unlimited check writing. *Checking Accounts: Regular - $100.00 minimum to open Service charges for balances: $.00 - $100.00 $6.00 $100.00 - $200.00 $5.00 $200.00 - $300.00 $4.00 $300.00 - $400.00 $3.00 $400.00 - up $0.00 *Checking Accounts: Business: Based on monthly account analysis. No charge if balance covers account activity. LOANS NO APPLICATION OR PROCESSING FEES! *Personal Loans: Including the small loan that many banks no longer make. *Car and Truck Loans: Including vehicles older than 5 years. *Real Estate Loans: Low closing cost with no origination or discount points. *Home Improvement Loans *Home Equity Lines of Credit *Business Loans We base loans on our knowledge of our customer and the banking relationship. You will see the same loan officers year after year and that is a very important factor in quick, easy loan approval. Loan approval is made here in our office, not out of town and not by someone who does not know you and has not talked with you. SAFE DEPOSIT BOXES Keep all of your valuable possessions and your important papers safely locked away in our vault for a very small price. The peace of mind is worth the cost (available to deposit customers). 3x 5 $15.00 per year 5 x 5 $17.50 per year 3 x 10 $25.00 per year 5 x 10 $30.00 per year 10 x 10 $60.00 per year CREDIT CARDS Master Card or Visa with no annual fees at a fixed rate or optional variable rate. PERSONAL SERVICE When you call the bank, you talk to a real person who will help you or connect you with the proper person to answer your questions. Many banks will require you to listen to an impersonal computer selection process and then do not help you. Thank you for taking the time to review this material. Owned and operated locally since 1906, First Bank of Boaz takes pride in providing good quality service. Our fee structure for services (if any) are among the lowest (if not the lowest) of any bank in the area. Please contact us at 256/593-8670 if we can be of any service to you. The information in this article was current at 25 Nov 2011