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Union State Bank
Personal Checking Accounts Savings Certificates of Deposit Health Savings Account IRA's Telephone Banking ATM's Overdraft Privilege Miscellaneous Fees

Miscellaneous Services
FREE CHECKING Limitations: You must deposit $100.00 to open this account. A debit card is available with application.

Account Fees: No monthly service charge. This account has no minimum balance requirement. Dormant Account Fee: $2.99 monthly after 6 months of no customer activity and balance is below $100.00. OTHER ACCOUNT FEATURES: This account is eligible for Overdraft Privilege. The Overdraft Privilege Service is a "Discretionary Overdraft Service" that can be withdrawn at any time. Accounts must be open more than thirty (30) days and maintained in good standing per the Bank's Overdraft Privilege Policy. The Bank's disclosed Insufficient Item/Overdraft Charge will apply to each item that overdraws the account. See the Bank's Overdraft Privilege Policy for more information.


STUDENT CHECKING
This account is available to persons 23 years old or younger and a full time student.

Limitations: You must deposit $100.00 to open this account.
Account Fees: No monthly service charge. Debit Cards with Officer approval.


SENIOR CITIZEN CHECKING

Limitations: You must deposit $100.00 to open this account. To qualify for this account at least one account holder must be 55.

Account Fees: No monthly service charge. Dormant Account Fee: $2.99 monthly after 6 months of no customer activity and balance is below $100.00. Debit Cards available.


NOW Account
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. You must maintain a minimum daily balance of $1,000.00 to receive the interest earned for the statement period.  A debit card is available with application.

Account Fees: If your balance is less than $2.500 on any day of the month, your account will be subject to a $10.49 service charge for the month.  If your balance is over $2,500, you will not be charges a service charge.


GENERATIONS GOLD CHECKING ACCOUNT
Services Included:  Accidental Death and Dismemberment Insurance, free Cashier Checks and Money Orders, Online Billpay, Mobile Banking and myPic personalized debit cards.

Rate Information: This account is an interest-bearing account.  The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthy and will be credited to the account monthly.  if the account is closed before interest is credited, you will not receive the accrued interest. 

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.  You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. 

Limitations:  You must deposit $100 to open this account.  You must maintain a minimum daily balance of $1,000 to receive the interest earned for the statement period. 

Account Fees: There is a monthly service charge of $7.49. Dormant Account FEE: $2.99 monthly after 6 months of no customer activity and the balance is below $100.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.


MONEY MARKET
This account is a tiered interest account. See Rate Chart for current tiered rates. Customer types allowed include Personal, Estate, Fiduciary & Trust.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you make a deposit. Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or similar period, but only three (3) may be payments by check to third parties. You must maintain a minimum daily balance of $2,500.00 to receive the interest earned for the statement period.

Account Fees: Monthly service charge if the daily balance drops below $2,500.00 is $10.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.


PASSBOOK SAVINGS
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the average daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $25 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $25 to open this account.

Account Fees: There is no quarterly service charge. The following fees apply to this account: Excessive withdrawals: You may make ten (10) withdrawals each quarter at no cost. Each additional withdrawal is $2.49 each.  Dormant Account Fees: $2.99 quarterly after 6 months of no customer activity and the balance is below $25.00.

CHRISTMAS CLUB
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually and will be credited to the account annually. If the account is closed before interest is credited you will not receive the accrued interest. At the end of the club account period the funds in the account will be mailed to you by check.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $25 to open this account. You must maintain a minimum daily balance of $1 to receive the interest earned for the statement period.

Account Fees: There is no quarterly service charge. The following fees apply to this account: Excessive withdrawals: You may make ten (10) withdrawals each quarter at no cost. Each additional withdrawal is $2.49 each; Dormant Account Fees: $2.99 quarterly after 6 months of no customer activity and the balance is below $25.


3 MONTH CERTIFICATE OF DEPOSIT
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the certificate. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500 to open this account. You may not make additional deposits into this account. You may make withdrawals of principal from your account before the maturity date only if we agree at the time you request the withdrawal. Principal withdrawn before the maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term, subject to penalty. You can withdraw interest anytime during the term after it is credited to your account.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 3 months. If you withdraw any of the principal before the maturity date we may impose a penalty of one months' interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA, Keogh or other tax qualified plan. We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity(or within the grace period, if any).


6 MONTH CERTIFICATE OF DEPOSIT
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500 to open this account. You may not make additional deposits into this account. You may make withdrawals of principal from your account before the maturity date only if we agree at the time you request the withdrawal. Principal withdrawn before the maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term, subject to penalty. You can withdraw interest anytime during the term after it is credited to your account.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 6 months. If you withdraw any of the principal before the maturity date we may impose a penalty of one months' interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompentence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA, Keogh or other tax qualified plan. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity(or within the grace period, if any).


12 MONTH CERTIFICATE OF DEPOSIT
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500 to open this account. You may not make additional deposits into this account. You may make withdrawals of principal from your account before the maturity date only if we agree at the time you request the withdrawal. Principal withdrawn before the maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term, subject to penalty. You can withdraw interest anytime during the term after it is credited to your account.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 12 months. If you withdraw any of the principal before the maturity date we may impose a penalty of one months' interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA, keogh or other tax qualified plan. We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity(or within the grace period, if any).


24 MONTH CERTIFICATE OF DEPOSIT
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500 to open this account. You may not make additional deposits into this account. You may make withdrawals of principal from your account before the maturity date only if we agree at the time you request the withdrawal. Principal withdrawn before the maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term, subject to penalty. You can withdraw interest anytime during the term after it is credited to your account.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date we may impose a penalty of one months' interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA, keogh or other tax qualified plan. We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity(or within the grace period, if any).


36 MONTH CERTIFICATE OF DEPOSIT
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500 to open this account. You may not make additional deposits into this account. You may make withdrawals of principal from your account before the maturity date only if we agree at the time you request the withdrawal. Principal withdrawn before the maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term, subject to penalty. You can withdraw interest anytime during the term after it is credited to your account

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date we may impose a penalty of one months' interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA, keogh or other tax qualified plan. We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity(or within the grace period, if any).


Health Savings Account
Rate Information:This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited, you will not receive the accrued interest. 

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.  You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. 

Limitations:  You must deposit $100 to open this account.  You must maintain a minimum daily balance of $1,000to receive the interest earned for the statement period.  Contributions to, and distributions from, this account are limited by IRS guidlines. 

Account Fees:  The following fees and charges apply to this account - a one-time setup fee of $20 and a monthly service charge of $3.49 for accounts with average balances less than $2,500.

IRAs
18-month variable IRAs are available. 

24-HOUR TELEPHONE BANKING SERVICES AVAILABLE
Call (620) 756-4615 or (877) 342-0578

ATM LOCATIONS
Uniontown
Union Station, Kansas Highway 3 & Maple Rd - 24-Hour Access

Fort Scott
Union State Bank, 1009 S. Clark St, Fort Scott - 24-Hour Access
Fort Cinema, 224 W. 18th St, Fort Scott - During business hours

OVERDRAFT PRIVILEGE (ODP)
Rather than automatically returning - unpaid - any non-sufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts.  Accounts must qualify for ODP and normal overdraft fees will apply.

Qualifying ODP Limits
Overdraft & Return Check Fees
Senior Generations Gold (Age 55+): $14.99
Generations Gold: $17.99
All Other Checking Accounts: $23.99
Continuous Overdraft Fees: $6.99 for each 5 consecutive days your account is overdrawn
NOTE:  The maximum daily charge for overdraft items paid will be 4 items, not including any continuous overdraft fees.  The maximum fee does not apply to commercial checking accounts.  Returned check fees will be charged for each item that is returned.

MISCELLANEOUS FEES
Stop Payment Request Fees: $25.99 per item

Garnishments: $10 each
IRS Levy: $30 each
Research Time: $20 per hour
Copies: $0.10 per page
Faxes: $5 incoming or outgoing
Visa TravelMoney Card: $7.95 for Gen Gold, $9.95 for all other accounts, $5 to refill
Money Orders: $4 for customers, $7 for non-customers, Free to Gen Gold accountholders
Cashier Checks: $4 for customer, Free to Gen Gold accountholders
Wire Transfers: Customers only, incoming wires are free, outgoing wires are $15.
Notary Service: $10 for non-customers only (with appropriate identification)
Check Cashing Fee: $4, non-customers only (with appropriate identification)
Replacement Debit Card: $10.49
Cancel Debit Card: $25.49

SAFE DEPOSIT BOX FEES
Available at both locations.  Contents not insured by FDIC. 

3 X 5 Box:     $10 / year
3 X 10 Box:   $30 / year
5 X 10 Box:   $50 / year
5 X 15 Box:   $75 / year
10 X 10 Box: $100 / year

Lost keys are subject to a drilling fee, which is determined by the security company.