ATM Service, Drive-Up Window, Competitive Rates, Safe Deposit Boxes, Debit Cards, Consumer, Agrictulture Loans

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SERVICES

ATM Service

We have an ATM located at Westside Food Mart which is open from 6 AM to 9 PM and an ATM located in our drive up available 24 hours a day. There are two 24 hour ATM's in Wall Lake and Halbur. We also offer worldwide service through the Pulse and Cirrus Networks.

Drive-Up Window

We have a drive-up window at the Westside location for your added convenience. Stop by between the hours of 9:00 AM and 6:30 PM Monday through Friday and 9:00 AM and Noon on Saturday.

Competitive Rates

Check out competitive rates on CD's, IRA's, and Savings accounts. (Interest rates change on a daily basis, call your Westside State Bank branch for more information).

Safe Deposit Boxes

Safe Deposit boxes are available at all 4 of our branch offices.

Debit Cards

Debit cards make the funds in your checking account available to you almost anywhere in the world, without the hassle of carrying checks.

MasterCard SecureCode

SecureCode is a service that helps protect MasterCard card accounts against unauthorized Internet transactions by using identity information established between an individual cardholder and his or her financial institution. Westside State Bank, in conjunction with SHAZAM and Arcot Systems are providing this service to you to improve the security of payment transactions in the electronic commerce environment. Once you activate SecureCode, your card cannot be used at a participating Internet merchant without authentication by an authorized user of your account.

You will find SecureCode easy to use. When you enroll in SecureCode and then use your MasterCard card for an Internet purchase at a participating merchant, a window displays requesting your password in much the same way you enter a PIN during a face-to-face transaction. After you enter your password, the information is authenticated and then the transaction is submitted to your financial institution for for authorization.

Seniors Club

Join our New Horizons club today for customers 55 or better and have access to both day and extended trips with other customers of the bank.

Real Estate Loans

Let our bank help you buy a home!

Consumer Loans

Buy a new car or go on a vacation with the help of a personal consumer loan!

Commercial Loans

Expand your existing business or start up a new business!

Agriculture Loans

Livestock, real estate, and machinery and equipment loans!

Interest Rates (subject to change)

Interest rates current as of 1/4/2012

*Interest rates may vary after account opening for depository accounts & IRA Passbook.

Depository Accounts
Items	Minimum Opening Deposit	INTEREST RATE	A.P.Y.*
NOW	$500	0.10%	0.10%
Super NOW ($1- $2,499)	$2,500	0.15%	0.15%
Super NOW ($2,500 or >)	$2,500	0.15%	0.15%
MMDA ($1-$2,499)	$2,500	0.15%	0.15%
MMDA ($2,500-$24,999)	$2,500	0.20%	0.20%
MMDA ($25,000 to $99,999)	$25,000	0.20%	0.20%
MMDA ($100,000 to $499,999)	$100,000	0.25%	0.25%
MMDA ($500,000 or >)	$500,000	0.50%	0.50%
PASSBOOK	$1	0.20%	0.20%

Certificate of Deposit
Items	Minimum Opening Deposit	INTEREST RATE	A.P.Y.*
182 Days**	$500	0.60%	0.60%
12 months**	$500	0.75%	0.75%
15 months**	$500	0.80%	0.80%
18 months**	$500	0.85%	0.85%
24 months**	$500	1.00%	1.00%
30 months**	$500	1.25%	1.25%

IRA's
Items	INTEREST RATE	A.P.Y.*
IRA (182 Day Certificate)	0.60%	0.60%
IRA (Passbook)	0.70%	0.70%

*Annual Percentage Yield

**Penalty for early withdrawal

Fees may reduce earnings