International City Bank offers a variety of Deposit Accounts, Loan Products, and Other Banking Services. Click on a category below to see the details on how International City Bank can meet your financial needs.

	Personal Checking

•	Minimum opening deposit	$500
•	Minimum daily balance	$1,000
•	Average monthly balance	$2,500
•	Fee for less than minimum or average monthly balance	$8 per month, plus $.25 for each additional debit

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	Personal Money Manager (NOW)

•	Minimum opening deposit	$1,000
•	Minimum daily balance	$1,500
•	Average monthly balance	$2,500
•	Minimum balance to obtain annual percentage yield	$2,500
•	Fee for less than minimum or average monthly balance	$10 per month, plus $.25 for each additional debit

Unlimited check writing with no fees if average minimum monthly balance is maintained.
NOW account interest is compounded and credited monthly. NOW accounts are limited to
personal, sole proprietors, association accounts, and non-profit organizations.

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	Personal Advanced Planner (Money Market)

•	Minimum opening deposit	$1,000
•	Minimum daily balance	$1,500
•	Average monthly balance	$2,500
•	Minimum balance to obtain annual percentage yield	$2,500
•	Fee for less than minimum daily balance	$8 per month, plus $.25 for each additional debit
•	Excessive money market activity feeont>	$10 per debit transaction

Limited to six withdrawals per month, three of which may be checks.
(Debit transactions: withdrawals, checks paid, automatic transfers or payments)
Money Market account interest is compounded and credited monthly.

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	Personal Savings

•	Minimum opening deposit	$300
•	Average balance/quarter	$300
•	Fee for less than minimum or average quarterly balance	$3 per quarter, plus $2 for each additional debit
•	Fee for closing account within 90 days of opening	$10

Limited to six withdrawals per month, three of which may be checks.
(Debit transactions: withdrawals, checks paid, automatic transfers or payments)
Savings account interest is compounded and credited quarterly.

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	Business Checking

•	Minimum opening deposit	$1,000
•	Minimum daily balance	$2,500
•	Average monthly balance	$5,000
•	Fee for less than minimum or average monthly balance	$10 per month, plus $.25 for each additional debit

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	Business Money Manager (NOW)

•	Minimum opening deposit	$5,000
•	Minimum daily balance	$5,000
•	Average monthly balance	$5,000
•	Minimum balance to obtain annual percentage yield	$5,000
•	Fee for less than minimum or average monthly balance	$10 per month, plus $.25 for each additional debit

Unlimited check writing with no fees if average minimum monthly balance is maintained.
NOW account interest is compounded and credited monthly. NOW accounts are limited to
personal, sole proprietors, association accounts, and non-profit organizations.

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	Business Advanced Planner (Money Market)

• Minimum opening deposit $5,000 • Minimum daily balance $5,000 • Average monthly balance $5,000 • Minimum balance to obtain annual percentage yield $5,000 • Fee for less than minimum or average monthly balance $8 per month, plus $.25 for each additional debit • Excessive Money Market activity fee $10 per debit transaction

Limited to six withdrawals per month, three of which may be checks.
(Debit transactions: withdrawals, checks paid, automatic transfers or payments)
Money Market account interest is compounded and credited monthly.

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	Business Savings

•	Minimum opening deposit	$300
•	Average balance/quarter	$300
•	Fee for less than minimum or average quarterly balance	$3 per quarter, plus $2 for each additional debit
•	Fee for closing account within 90 days of opening	$10

Limited to six withdrawals per month, three of which may be checks.
 (Debit transactions: withdrawals, checks paid, automatic transfers or payments)
Savings account interest is compounded and credited quarterly.

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	Certificates Of Deposit

•   Time certificates of deposit are available with varying interest rates and terms. Contact any Bank Officer for current rate quote. A substantial early withdrawal penalty will be imposed if a certificate of deposit with withdrawn prior to maturity.

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	Individual Retirement Accounts

•   A variety of Individual Retirement Accounts (IRAs) and Qualified Retirement Plans (QRPs) are available. Contact your local Branch Office for additional details. A substantial early withdrawal penalty will be imposed if an IRA or QRP is withdrawn prior to maturity .

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	Small Business Administration Loans

•   Business Purchase/Buy Outs

•   Real Estate Purchase

•   Working Capital

•   Equipment

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	Construction Loans

•   Commercial/Industrial

•   Custom Single Family Residence

•   Tract Single Family Residence

•   Multi-Family

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	Commercial Loans

•   Lines Of Credit

•   Letters Of Credit

•   Term loans

•   Business Equipment Loans

•   Commercial Real Estate Loans

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International City Bank also offers the following services:

•   Cash Management / Internet Banking / Remote Item Processing   •   Electronic Funds Transfer / Tax Deposits   •   Merchant Card Services   •   Wire Transfers   •   Collections   •   Bank By Mail   •   Courier Service   •   Payroll Services   •   ATM   •   Safe Deposit Boxes

Contact your local Branch Office for additional details regarding any of our products or services.

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At International City Bank, we invest in your success.