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Savings Accounts
$50.00 minimum deposit to open an account *no minimum deposit for accounts for minors or Christmas Club
All rates subject to change.
| Account Types | Interest Rate | Annual Percentage Yield | Minimum Deposit to earn dividends | Interest Paid |
| Statement Savings | .05% | .05% | $50.00 *except no minimum for youth account | monthly |
| Passbook Savings | .05% | .05% | $50.00 *except no minimum for youth account | quarterly |
| Gold Passbook | .10% | .10% | $10,000. | quarterly |
| Christmas Club | 1.00% | 1.00% | no minimum, $2,000.00 maximum | annually |
Savings Plus
|
.15% | .15% | $50,000 and above. |
quarterly |
| .10% | .10% | $25,000. - $49,999. | ||
| .05% | .05% | $100.00 - $24,999. |
Checking Accounts
$50.00 minimum deposit to open account
| Account Types | Interest Rate | Annual Percentage Yield | General Account Terms | |
| Hometown Checking & Xtremely Free Checking | no interest paid | No monthly service charge & No minimum balance | ||
| Savers Checking | 0.01% | 0.01% | $100.00 to earn dividend, Interest paid monthly | |
| Average Daily Balance $250.00 or more | No monthly charge | |||
| Average Daily Balance $250.00 or less | $6.00 per month & $0.10 per check | |||
| V.I.P. Checking | 0.03% | 0.03% | $500.00 to earn dividend, Interest paid monthly | |
| Average Daily Balance greater than $250.00 | No monthly charge | |||
| Average Daily Balance $250.00 or less | $6.00 per month & $0.10 per check | |||
| Business Checking-(unincorporated) | 0.01% | 0.01% | 100.00 to earn dividend, Interest paid monthly | |
| Average Daily Balance greater than $1,000.00 | No monthly charge | |||
| Average Daily Balance $1,000.00 or less | $6.00 per month & $0.20 per check | |||
| Business Checking- (incorporated) | no interest paid | |||
| Average Daily Balance greater than $1,000.00 | No monthly charge | |||
| Average Daily Balance $1,000.00 or less | $6.00 per month & $0.20 per check | |||
Fees
Non-Sufficient Funds (NSF) $35.00 per check Wire Transfers-Outgoing $20.00 per item
Stop Payment NOW's/ACH's $25.00 per item or range Wire Transfers-Incoming No Charge
Travelers Cheques $1.00 per $100.00 Wire Transfers - International $55.00 per item
Check Retrieval $8.00 per check Account closed within 90 Days $10.00 per account
Research Fee $20.00 per hour Uncollected Funds (NCF) $10.00 per check
IRS Levy or Garnishment $50.00 Certified Check $5.00 per check
Statement (computer) $5.00 per page Returned Items $10.00 per item
Statement (microfiche) $5.00 per page Money Order $3.00 per item
Overdraft Fee $35.00 per incident Bank Check $10.00 per check
All Check orders are at current prices.
ATM Charges
There is no charge to use your Miami Savings Bank JEANIE ATM or MasterMoney check card at any Miami Savings Bank office-Miamitown, Ohio - 8008 Ferry Street - Harrison, Ohio 444 South State Street - Oxford, Ohio - 475 McGuffey Avenue If you use your Jeanie or MasterMoney card at other locations, then our charges are:
| Balance Inquiry | No Charge |
| Deposit | $1.00 |
| Withdrawal | $1.00 |
| Funds Transfer | $1.00 |
Other banks may charge a fee for the use of their ATM.
There is an additional $1.50 fee for using the PLUS network outside the regional network.
A fee of $5.00 will be charged to reissue any card.
Miami Savings Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010 all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.