Deposit Accounts: personal checking | business checking | savings | rates | cds | iras | heritage club | moola moola savings program | check reorder form
Worry Free
- No Minimum Balance
- No Monthly Service Fee
- Unlimited Check Writing
- FREE INSTANT CASH & CHECK CARD
Centennial Checking
- $500 Minimum Balance*
- Earns Interest**
- 1/4% Bonus Rate Over $10,000
- FREE INSTANT CASH & CHECK CARD
Open A Money Market Savings Account*** with either Free Checking or Interest Checking and receive these additional benefits:
- Free Standard Check Blanks
- Free Travelers Checks
- Free Money Orders
*$10 service charge
if minimum balance is not maintained.
**Interest earned on daily balance.
***Minimum balance of $1,000
Overdraft Protection
You can avoid overdrafts on a checking account with an Overdraft Protection line of credit. Funds are automatically transferred to the account to cover checks when there are insufficient funds in that account. Lines are available from $100 to $7,000 to qualified individuals. There is no annual fee for this line of credit and interest is paid on the outstanding balance of the overdraft. Advancements are made in increments of $100.00 with a $2.00 fee assessed per advance. For example, a $5.00 overdraft would result in a $100.00 advance plus a $2.00 fee.
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Ramsey Money Market Savings
- Minimum Balance of $1000*
- Allows 3 Check Withdrawals per Month****
- Allows 6 Withdrawals per Month*****
- Statements provided to you monthly
- Higher Yielding Tiered Interest Rates Compounded Monthly (Rates)
Regular Savings
- Minimum balance of $100**
- Allows 6 Withdrawals per Quarter***
- Interest Accrued Daily, Compounded Quarterly (Rates)
Young Adult Savings
- No Minimum Balance
- Must Be 18 or Younger
- Allows 6 Withdrawals per Quarter***
- Interest Accrued Daily, Compounded Quarter (Rates)
*Service charge of $10.00
if balance falls below $1000.00
**Service charge of $3.00 if balance falls below $100.00
***Excess debit charge of $2.00 for each withdrawal over six
****Excess check transaction charge of $10.00 for each over three
*****Excess debit charge of $10.00 for each withdrawal over six
Certificates of Deposit Options
- 182 Day CD
- 1 Year CD
- 2 Year CD
- 3 Year CD
- 4 Year CD
- 5 Year CD
- Rates
Individual Retirement Account Options
- 182 Day IRA
- 1 Year IRA
- 2 Year IRA
- 2 Year Variable IRA
- 3 Year IRA
- 4 Year IRA
- 8 year IRA
- Rates
Ramsey Bank's Heritage Club is for those who are 50 years or older. You are eligible to become a member by choosing one of the following options:
- A total combined balance of $10,000 in either Ramsey National Bank & Trust Company or Ramsey Bank accounts including checking, savings, certificates of deposit, trust department or other investments.
Or
- A $15.00 monthly membership fee.
One membership covers both husband and wife. You receive a membership card that provides an extensive list of benefits! Here are just some of them.
- Special Activities & Trips
- Safe Deposit Box discount
- Birthday & Anniversary parties
- Quarterly luncheons
- Monthly newsletter
- Free checking
- Free check blanks
- Free money orders
- Free travelers checks
- Free copying service
- Free notary service
- Free stop payment orders
- Free instant cash and check card
- Free faxes
- Free trust counseling
This is an educational savings program for children under the age of 13. The club offers many membership benefits including:
- No minimum account balance
- Earn interest on your savings
- Earn free items or purchase items at a "Savers Club Prices" from the Moola Moola store with filled Stamp Collector Sheets
- Receive birthday cards
- Attend special events - and more!
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