way to save a downpayment for a new car or a new home a long-awaited vacation a home improvement project a special purchase college tuition for a son or daughter an easy retirement whatever you re saving for we make it easy with choices to fit your goals all of your options give you a secure return plus a variety of ways to keep track of your money from regular statements to the ease of online and telephone access and of course we re always glad to see you visit any of our offices enjoy lots of free extras with your savings account · free online banking · free estatements · free ealerts · free direct deposit · free telephone banking and remember maintaining both checking and savings balances can help you eliminate monthly checking charges savings 4 www.yourcommunitybank.com
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your checking account your community bank offers a variety of checking accounts to fit your needs from free checking to premium accounts that pay strong yields with special discounts and benefits every checking account we offer comes with no initial minimum balance requirement plus all these free extras · free visa® check card · free online banking · free online bill pay · free estatements · free ealerts · free transfers · free direct deposit · free telephone banking every checking account gives you access to notary service cashier s and traveler s checks and more personal checking 6 www.yourcommunitybank.com
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welcome home whether it s a starter home or your dream home an existing home or one you re planning to build your community bank is here to help we have a rich history stretching all the way back to 94 of helping people buy the home they re dreaming of our goal is to keep it simple and keep things moving so you get home sooner you work with a local person who knows the market to help you through the process we can even pre-approve you before you begin to look so you know just how much you can afford for your home and of course you get the ease of automatic or online payments and the chance to save even more when you bundle your choice of loan with your community bank checking or other services mortgage loans 8 www.yourcommunitybank.com
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lock it in if rates are rising if you plan to stay in your new home for many years or if you just like the security of knowing your loan payment will never change our fixed rate mortgage is for you your rate and payment amount are locked in for the life of your loan stay flexible if you anticipate a rising salary or if you plan to be in your home a short period of time you may prefer our adjustable rate mortgage your payment and rate start at an agreed-upon level then change as market rates change supersize it for large mortgage loan amounts our jumbo mortgage is the perfect solution it s available with either a fixed or adjustable rate as well as an interest-only payment option and other features first time if you re buying your first home and don t have a big downpayment saved you can qualify for our first time homebuyer mortgage we take utility and rent payments into account when reviewing your credit history and finance up to 00 of the purchase price with seller-paid closing costs
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on the house imagine making yourself a loan whenever you need it our home equity line of credit is secured by the equity in your home once approved you decide when and how much to borrow up to your available limit or go with our home equity installment loan for one-time needs either way you enjoy the lower rate of a loan secured by the equity in your home and the potential for a tax deduction on the interest you pay ask your tax advisor about deducting interest make it personal unplanned borrowing needs have a way of cropping up from time to time no matter what comes your way a personal loan from your community bank can help you handle it start your engines if you re in the market for a new or used vehicle from the smallest compact to the most expansive rv even a boat our auto loan can put you behind the wheel quick approval and low rates make it fast and affordable for complete information and disclosures relating to all of the accounts and products described here including bala
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minding your own business if you own or manage a business you already have enough on your plate so your community bank is dedicated to making the money part of your business life as simple as possible with business accounts that make it easier to manage your company s finances every business checking solution we offer comes with low minimums generous deposit and check limits and the availability of convenient business extras like debit cards night drop bags endorsement stamps and more and we make direct deposit and cash management solutions available to our business customers too and while we have every account you need to get more from your company our reputation rests on the way we take care of our business customers we work hard every day to earn the right to call you a customer and to live up to our name your community bank business checking www.yourcommunitybank.com
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why grow it alone access to cash when you need it is the lifeblood of any business so your community bank provides you with access to financing that best suits your unique needs whether you re buying an established business financing a start-up building a plant or offices upgrading equipment expanding your operation or managing seasonal cash flows we make business loans that work for you our business lenders are local professionals who take time to understand your business business loans 4 www.yourcommunitybank.com
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treasury services save time and money if you own or manage a business time is always at a premium that s why your community bank has developed treasury services designed specifically to help you do more with less from cash management and lockbox services to business e-delivery and merchant services we re working hard to bring you tools that can save you time and save you money 6 www.yourcommunitybank.com
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lockbox one of the most critical areas for many corporate clients is the receipt and collection of monthly payments from customers your community bank s lockbox solution allows incoming payments to bypass your office and come directly to the bank for processing your payments are processed timely and efficiently relieving your staff of time-consuming clerical functions and delivery of deposits to the bank you enjoy complete access to payment and remittance information on disk or online merchant services your community bank provides credit and debit card payment services so that you can provide your customers the convenience of using credit and debit cards we can also offer electronic point of purchase conversion check guarantee and gift/loyalty card programs best of all there s no annual membership fee no monthly minimum fee and low equipment costs cash management streamline your business functions with cash management from your community bank manage the financial side of your day-to-da
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access 24/7 because it s not always convenient to get to your nearest branch your community bank offers around-theclock access to your accounts with online banking and online bill pay it s fast convenient and safe with online banking you can pay bills from your checking account check balances and account activity and transfer funds between your accounts you can also review statement history view and print images of checks verify deposits and withdrawals even access loan balance information and make loan payments plus with our online banking you ll have the ability to import and export your statement data into popular programs like quicken® and quickbooks ® at no extra charge identity theft protection identity theft is america s fastest growing crime now you can safeguard yourself with privacy matters identity theft insurance from your community bank for just $9.9 per month for individuals and $4.9 per month with a spouse enjoy the peace of mind that your personal information is protec
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southern indiana locations main office 0 w spring st new albany in 40 8-98-0 main office drive-thru 40 e spring st new albany in 40 8-98-0 charlestown road 66 charlestown rd new albany in 40 8-949-680 clarksville 90 e lewis clark pkwy clarksville in 49 8-88-680 court avenue 0 w court ave jeffersonville in 40 8-8 grant line wal-mart 90 grant line rd new albany in 40 8-948-894 hamburg 0 heritage sq sellersburg in 4 8-46-48 highlander point 0 highlander point dr floyds knobs in 49 8-9-90 highway 62 hwy 6 jeffersonville in 40 8-8-400 peachtree centre 48 charlestown rd new albany in 40 8-949-6800 state street 480 new albany plaza new albany in 40 8-949-68 jeffersonville east 9 e 0th st jeffersonville in 40 8-8-060 highlander point grantline state street main office get in touch customer service 8-98-0 local -866-944-004 toll-free on call 24-hour telephone banking 8-98 local -888-9-94 toll-free treasury services 8-98-084 business hotlines clark county 8-98-0 floyd county 8-98-00 louisville
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