personal accounts

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

**Sidney State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-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.

At a Glance	Best For	Features	Minimum Balance	Fees
Sidney E-Checking
A unique account for the electronic banking user.	This account was specifically designed to appeal to the person that will be paying for purchases with our VISA Check Card , paying bills electronically, and getting cash from an ATM. If you are signed–up for internet banking with Sidney State Bank, this may be the checking account for you.	Free Internet Banking service Free Bill Pay service No minimum balance to avoid a monthly maintenance charge Free ATM/VISA Check card No charge for debit card transactions, ATM withdrawals, ACH debits or credits No per check charge for up to five checks per month Earns the highest interest rate that we offer on a transaction account First order of personalized checks Free Discount on loan interest rates when you authorize automatic payments to be deducted from your checking account Free personalized checks for those 50 or better	$2500.00 minimum balance to earn interest. No minimum balance to avoid a monthly maintenance charge.	$.50 for each check posting to the account after the five (5) free checks available each month
Sidney Budget Checking
A low cost account with no minimum balances to worry about.	This account should appeal to individuals who desire a checking account with no per check fees and do not want to be worried about maintaining a minimum balance.	No minimum balance to maintain. Unlimited checking. Write all the checks you like with no fee. Free personalized checks. Free ATM/VISA Check card Free Internet Banking service available Free Bill Pay service available Discount on loan interest rates when you authorize automatic loan payments to be deducted from your checking account	None	$5.00 per month maintenance charge
Sidney Basic Checking
Basic checking account with Sidney State Bank benefits	This account should appeal to those individuals who desire a checking account without per check fees and are able to maintain a small minimum balance.	Unlimited checking. Write all the checks you like with no fee. Earns interest when balance is $1000 or more First order of personalized checks Free Free ATM/Visa Check card Free Internet Banking service available Free Bill Pay service available Discount on personal loan interest rates when you authorize automatic payments to be deducted from your checking account Monthly maintenance charge waived when you have a mortgage with Sidney State Bank Free personalized checks for those 50 or better	$500.00 to avoid a monthly maintenance charge $1000.00 to earn interest	$8.00 monthly maintenance charge if the balance falls below $500.00
Free Checking
A checking account with no monthly service charge.		Free Internet Banking service Low-cost Bill Paying service Free ATM/Visa Check card	None	None

	Over Eighty Years of Continuous Service
	Over Eighty Years of Continuous Service
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