Account Services


Line of Credit Overdraft Protection

A line of credit (LOC) is an automatic loan that is generated and transferred to your checking account in the event of an overdraft on your account. This service is subject to approval by a loan officer and is not available on Free Checking accounts. The annual fee for this service is $25.


  • Line of credit is a loan that automatically transfers funds to your checking account in the event of an overdraft
  • Overdraft fees can be avoided when using a line of credit
  • A notice is mailed to notify you of the transfer
  • Transfers are done in $100 increments

Please contact one of our loan officers if you are interested in learning more about this great service, or if you would like to set up a line of credit on your checking account.


Telephone Banking, also known as TeleBank, is a convenient service offered by the bank that allows customers to access their accounts 24 hours a day, 7 days a week. Simply dial (563)568-3535 or toll-free at (866)387-7722 and follow the easy to use menu instructions.  TeleBank is accessed by using a security code and the customer's social security number.  Please contact the bank to set up this free service. 

TeleBank allows customers to:

  • Check balances on accounts
  • Check account history
  • Transfer funds between accounts

Safe Deposit Boxes

A safe deposit box provides security for your most important documents and legal papers.


  • A safe deposit box is safe from many perils, such as theft, fire, or water damage, as they are located within the bank vault.
  • A safe deposit box may only be entered by authorized individuals whom you, the owner of the box, select.
  • A safe deposit box is available at a very reasonable rate. There is a variety of sizes and prices for any budget. Boxes start at $8 per year.
  • A safe deposit box can be accessed any time during normal banking hours at our main bank facility.

To get set up for this great service, or if you have any other questions, please contact the bank and we would be happy to assist you.

Night Deposit

A night depository is provided for your convenience at the main bank and branch/drive-in facility. A night depository is available at no charge and provides a safe location for your deposits after banking hours. All deposits will be processed the next business day. The night depository is available 24 hours a day, 7 days a week.

For more information on night deposit services, please contact the bank and we will be happy to assist you!


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