Sumner Bank & Trust

Regular Savings | Christmas Club | Money Market

Health Savings Account | Certificates of Deposit | Individual Retirement Accounts

Rainy days. Vacation days. Retirement days. Set some aside and watch it grow. Someday you’ll be glad you did.

Regular Savings

You’ve got to start somewhere. What better place than here?

No charge for first six withdrawals per quarter
- $3 per withdrawal over six
Free Online Banking
Interest compounded monthly and posted quarterly
Account statement mailed quarterly

Minimum to open?	$50
Service fee?	Yes. $5 quarterly; waived by any of the following: • $100 minimum daily balance • Age 19 or younger

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Christmas Club

You know it’s coming. Save for it now so you won’t be hit with all those bills in January.

Account may be opened year round
Annual withdrawal in November
Simple interest posted immediately before distribution of check

Minimum to open?	$50
Service fee?	No
Other fees?	$5 for first withdrawal (second withdrawal closes account)

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Money Market

Ready to take your savings to the next level? Check this out.

Six free withdrawals per month (with no more than three by check)
– $15 per withdrawal or check written over limit
Free regular checks (50)
Free Online Banking
Monthly statements
Interest compounded monthly
Interest tiers:
$0 – 2,499
$2,500 - 9,999
$10,000 - 49,999
$50,000 - 99,999
$100,000 – 249,999
$250,000 or more

Minimum to open?	$50
Service fee?	Yes. $12; waived by the following: • $2,500 minimum daily balance

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Health Savings Accounts (HSA)

You take care of your physical and your financial well-being. An HSA helps you do both.

Free checks (up to 50)
Free Visa® check card
Free Telephone Banking
Free Online Banking
Unlimited free ATM transactions nationwide

Monthly service fee?

Yes. $1

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Certificate of Deposit

You’ve got it – you just don’t need it right now. Park it here, set the meter and earn more.

Minimum deposit to open - $1,000
Grace period – 10 calendar days
Automatically renewable
Interest may be paid monthly, quarterly, annually or at maturity (at least once a year) by direct deposit or check

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Individual Retirement Account (IRA)

You’re thinking about someday. Someday the kids will go to college. Someday you’ll retire, not retreat. Your IRA, Roth IRA or SEP will be there for you when that day comes with automatic interest distributions by check or direct deposit.

Minimum to open?

$100

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Jan 1	New Year's Day
January 21	Martin Luther King, Jr. Day
Febraury 18	Presidents' Day
May 26	Memorial Day
July 4	Independence Day
September 1	Labor Day
October 13th	Columbus Day
November 11th	Veterans Day
November 27nd	Thanksgiving Day
December 25th	Christmas Day


-	City of Portland

-	City of Gallatin

-	City of Hendersonville

-	City of Westmoreland

-	City of White House

-	Sumner County Schools


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