Products & Services

Deposit Accounts | Loan Products

Deposit Accounts

Personal Accounts

FREE CHECKING

  • $100 minimum to open account
  • Free debit or ATM card provided
  • No charge for using Baldwin State Bank ATM’s
  • Unlimited check writing and debit card use
  • No minimum balance required after initial $100 deposit
  • Monthly statement provided

BAKER STUDENT CHECKING

  • $100 minimum to open account
  • Free debit or ATM card provided
  • No charge for using Baldwin State Bank ATM’s.
  • Monthly Statement provided including check images
  • $3 monthly maintenance fee except for the months of June, July, and August

REGULAR CHECKING

  • $100 minimum to open account
  • Monthly statement is provided including check images
  • Free debit or ATM card provided
  • No ATM charges
  • • If balance falls below $1,000, a $.15 fee is charged for each debit over 30 per month
  • Monthly service charges are:

    - $5.00 if balance falls below $200
    - $4.00 if balance falls below $300
    - $3.00 if balance falls below $400
    - $2.00 if balance falls below $500
    - No monthly service charge if $500 balance is maintained

NOW CHECKING ACCOUNT

  • $100 minimum to open account
  • Monthly statement is provided including check images
  • No ATM charges
  • If balance falls below $1,000, a monthly maintenance fee of $6 is applied
  • If balance falls below $2,500, a $.15 fee is charged for each debit over 30 per month

SPECIAL CHECKING ACCOUNT

  • $100 to open account
  • Monthly statement provided including check images
  • No ATM charges
  • $2 monthly maintenance fee is applied to all accounts
  • A $.20 fee is charged for each debit over 5 per month

MONEY MARKET ACCOUNT

  • $100 minimum to open account
  • Monthly statement is provided including check images
  • Interest bearing account, see Current Rates section
  • Free checks
  • $7.00 monthly maintenance fee if balance falls below $2,500
  • Six withdrawals allowed each month at no charge, with a $2.00 fee for each debit over six per month

REGULAR SAVINGS ACCOUNT

  • $100 minimum to open account
  • Statement is provided quarterly
  • Interest bearing account, see Current Rates section
  • $3.00 quarterly service charge if balance falls below $100
  • Six withdrawals allowed each month at no charge, with a $.50 fee for each debit over six per month.

SPECIAL SAVINGS ACCOUNT

  • $5 to open account
  • Primary account holder must be 18 years old or younger
  • Interest bearing account, see Current Rates section
  • Quarterly statement is provided
  • Six withdrawals allowed each month at no charge, with a $.50 fee for each debit over six per month.

VARIABLE RATE IRA

  • Minimum of $500 to open account
  • Interest bearing account, see Current Rates section
  • Unlimited deposits up to the maximum allowed contribution
  • Account matures every 24 months and in most cases automatically renews
  • Early withdrawal is subject to a bank penalty and in some cases, and IRS penalty

18 MONTH CD IRA

  • $500 minimum to open
  • Penalty on early withdrawal
  • See Current Rates section

CERTIFICATE OF DEPOSITS

  • $500 minimum to open account
  • See Current Rates section

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Commercial Accounts

COMMERCIAL CHECKING ACCOUNT

  • $100 minimum to open account
  • Monthly statement provided including check images
  • Earnings credit applies
  • $2 monthly maintenance fee is applied to all accounts
  • $0.20 per deposit item
  • $0.10 per debit item and $0.07 per transit item

NOW COMMERCIAL CHECKING ACCOUNT

  • $100 minimum to open account
  • Monthly statement provided including check images
  • Earnings credit applies
  • $3.00 monthly maintenance fee is applied to all accounts
  • $0.30 per deposit item
  • $0.13 per debit item and $0.075 per transit item

NON-CONSUMER MONEY MARKET ACCOUNT

  • $100 minimum to open account
  • Interest bearing account, see Current Rates
  • Unlimited deposits allowed
  • $7 monthly maintenance fee will be applied if account balance falls below $2,500
  • Six withdrawals allowed each month at no charge, with a $2 excessive withdrawal fee if more than six withdrawals per statement cycle
Loan Products

Consumer

We offer a wide variety of consumer loans.  Whether you need a car, a boat, a recreational vehicle or a personal loan for repairs or an emergency, we have loans that can help.  When you need a little financial assistance, we can be there to help.

Commercial

We offer loans to purchase inventory, buildings and equipment.  We can also help you set up a business line of credit.  A relationship with us will allow you to run your business effectively and efficiently.  

Real Estate

We offer real estate loans that will help you purchase your first house or refinance your existing home.  If you are looking for a long-term fixed rate or a shorter term rate, we have a loan that can help.  We also help to keep your fees and closing costs low.

Agricultural

Our competitive, low interest rates have allowed us to work with farmers, ranchers and producers for over 100 years.  Our experienced staff can help you find a loan that meets your needs.

Student

 We offer student loans. 

 

It has always been the goal of The Baldwin State Bank to help meet the financial needs of our customers.  Some of the advantages of banking with us include:

  • Low fee expense
  • No prepayment penalty
  • A loan officer that will listen to your needs and help design a loan that will benefit you
  • Competitive, low interest rates
  • Payment plans that fit your needs
  • Personable, friendly and experienced loan personnel
  • Over 100 years of helping the Baldwin Community

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