Member FDIC




Home State Bank pays you interest on the daily balance compounded monthly. The interest rate is variable and can change with market conditions at any time. Also, the interest rate & A.P.Y.* are variable depending on the following daily balances:

Daily Balance
(Annual Percentage Yield)
$250,000 & Above
$100,000 - $249,999.99
$50,000 - $99,999.99
$10,000 - $49,999.99
$9,999.99 & Below

Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Minimum balance to open account is $500.00

If your balance falls below $250.00 on any day in the statement cycle, your account will be subject to a $5.00 Monthly Service Fee for that statement cycle.

A $5.00 activity charge will be assessed for each debit over six (6) per statement cycle.

Any fees assessed to this Account may reduce earnings.

Any savings account with no activity for 12 months and the balance falls below $100.00 on any day in the statement cycle, will be considered Dormant and be assessed a Monthly Dormant Fee of $4.00 for that statement cycle. If account is closed before interest is credited, you will not receive the accrued interest.

Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per statement cycle, with not transfers by check, draft, debit card or similar order to third parties. Accountholders who continue to violate this limit may be subject to appropriate action as defined by federal regulations.

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All text and original graphics copyright © 2012 Home State Bank

Home State Bank, 202 3rd Ave, PO Box 79, Royal, IA 51357 | 712-933-5511 | 877-474-5511 | FAX: 712-933-2397
For questions, e-mail

Home State Bank NMLS #769771