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Personal Banking
At Decatur State Bank we want to be your community bank. We offer flexible products and services to serve you in a very personal way. Along with our various accounts and loans we offer FREE online banking with 24/7 real time access to your accounts.
Features include:
Free Bill Pay
Balance Transfers
Real Time Account Balances
Loan Payments
Export account information into your financial software
Checking
Intouch Checking
$100 minimum opening deposit
5.01 % APY on balances up to $25,000
1.25 % APY paid on balances over $25,000
0.01 % APY paid on all balances
No Monthly service charge
Free Nationwide ATMs
Free VISA Check Card
5 Simple requirements must be met monthly for interest and ATM refunds
Interest credited monthly
Community Club
$100 minimum opening deposit
$6 month: $10,000 Accidental Death Life Insurance Plan
$8 month: $30,000 Accidental Death Life Insurance Plan
$1 discount for 50 years of age or older
No Minimum Balance
Free Club Checks or $3 discount on designer checks
Free Travelers Checks
Unlimited Check Writing
Free VISA Check Card
Free Fax/Copy Service
Can be Interest Bearing
Travel Masters
Minimum Age 50 years
$100 minimum opening deposit
Qualify for all Travel Masters Activities
Earn Interest on balances over $ 1,000
Earn Higher Rate on Balances over $ 10,000
Earn 0.25% higher interest on CD(s) -(must request)
Free Club Checks or $3 discount on designer checks
Free Travelers Checks
Unlimited Check Writing
Free VISA Check Card
Free Fax/Copy Service
Interest credited monthly
Absolute Advantage
$100 minimum opening deposit
Earn Interest on balances over $ 1,000
Earn Higher Rate on Balances over $ 10,000
No Minimum Balance
Free Club Checks or $3 discount on designer checks
Free Travelers Checks
Unlimited Check Writing
Free VISA Check Card
Free Fax/Copy Service
Interest credited monthly
Money Market
$1,500 minimum opening deposit
$6 month if balance falls below $1,500
Earn Higher Rate on Balances over $ 10,000
Free VISA Check Card
Limited to 6 withdrawals per month with only 3 by check, draft or similar order to 3rd parties.
If in Excess of limitations, $2 per transaction
Interest credited monthly
NOW Account
$ 1,000 minimum opening deposit
$6 month if balance falls below $1,000
No transaction Limitations
Interest credited monthly
Earn Higher Rates on Balances over $10,000
Savings
Regular Savings
$50.00 minimum opening deposit
Interest credited quarterly
Limited to 3 withdrawals per quarter
If in excess of limitations, $1 per withdrawal
Kid Cents
Maximum age 13 years old
No minimum opening deposit amount
Interest credited quarterly
Christmas Club
No Minimum opening deposit amount
Earns Interest
Flexible deposit plans
Check disbursed in November
Health Savings
Must have qualified insurance plan
$100 minimum opening deposit
Family or Individual
Interest paid quarterly
CD/IRAs
CD
$500 minimum opening deposit
Maturities from 30 days to 5 years
Competitive Interest Rates
Interest paid Monthly, Quarterly or at Maturity
Early withdrawal penalty does apply
IRA
$100 minimum opening deposit
Traditional or ROTH
Interest paid quarterly
Credit Cards
MasterCard/Visa
low interest rate
No Annual Fee
Must have a checking account
$5 month service charge
Auto pay from checking
Chartered in 1954, Decatur State Bank strives to meet the lending needs of Northwest Arkansas and Northeast Oklahoma. We think the most rewarding thing about being in business is helping our customers enjoy the quality of life they deserve. We offer a variety of loans to help accomplish this quality. Come by one of our offices and apply for your new loan today. Decatur State Bank has been an integral partner in the growth of our community for over 50 years and will continue to be for many more.
Consumer Loans
Auto
Personal
Other (Boats, RVs, ATVs)
Rates and terms vary
Mortgage Loans
Fixed Rate (Conventional and FHA)
Adjustable Rate Mortgages
Construction
Rates and terms vary
Insurance
Grand Insurance and Financial Professionals is a full-service insurance agency offering all lines of insurance and financial services. For more information, contact owner/agent Will Lane toll-free at (866) 752-3284 or will@grandins.arcoxmail.com
Other Personal Services
Free Online Banking with Free Bill Pay
24-Hour Telephone Banking (479) 752-7777 (479) 736-8002 (479) 238-9000
Free E-Statements
Safe Deposit Boxes
Wire Transfers
Collections
Cashier’s Checks
Traveler’s Checks
Fax Service (incoming and outgoing)
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