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Whether you're saving for a house down-payment, vacation or child's education, let us help you get on the right path with a saving account that fits your needs!

As a community bank you get personal attention from bankers you know and trust. Our experienced staff can provide you with the information you need to make informed decisions to meet your financial needs. Our products and services are designed with your business in mind and our plans are custom tailored to your individual business.

Convenient Services
Checking
Savings
Certificates of Deposit
Commercial Loans
MasterCard/VISA
Merchant Program/Credit Card
Retirement Programs
Health Savings Accounts
AgriPlan and BizPlan
Term and Key Employee Insurance


Convenient Services
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Business Checking
  • No service charges if the average daily balance for the statement period is $200 or more
  • Check images returned free of charge
Business Checking with Safekeeping – no check images returned
  • No average or minimum balance requirement
  • No service or per check charges regardless of balance

Electronic Transfer Account Protection from loans available.

No NSF Fees for checks deposited by you from your customers that are NSF.

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Certificates of Deposit
If you do not need access to your savings right away, and you want a higher return on your money, you may consider a Certificate of Deposit. (CD)
  • Varied terms - 3 month, 6 month, 12 month, 18 month, 24 month, 30 month, 3 years,
    or 4 years
  • Most offer choice of automatically renewable or non-renewable and choice of interest payment - quarterly or at maturity
  • Interest may be added to the CD, paid by check, or deposited into another State Bank of Arcadia account
  • One time interest bump-up feature available on the 30 month CD
  • Three time interest bump-up feature available on the 4 year CD

For more information please contact:

Kay P. Pronschinske, Personal Banker
Kristine A. Kabus, Branch Supervisor

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Savings

Invest excess business funds on a short-term basis.

  • Money Market Account - competitive rates and immediate access
  • Regular Savings - can be set up for daily electronic transfers of excess funds

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Commercial Loans

Experienced lenders offering financing options to fit your business needs.

  • Equipment Loans
  • Working Capital
  • Commerical Vehicles
  • SBA & WHEDA Loans
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MasterCard/VISA

Cards are issued directly by us - you're always dealing with friendly professionals you already know and trust, and are recognized by thousands of stores, banks, restaurants, and airlines world-wide.

Click here for 24 hour on-line customer service. Current State Bank of Arcadia cardholders enjoy 24 hour online service at www.mycardstatement.com.

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Merchant Program/Credit Cards

MC/VISA Merchant Program – With our MC/VISA merchant program, you can have the capability of accepting MasterCard and VISA cards as payment for goods and services.

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Retirement Programs

A variety of retirement programs designed for business owners - whether a sole proprietorship, partnership, limited liability company or corporation.

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Health Savings Accounts

A HSA-compatible high deductible health plan (HDHP) is an affordable approach to health care for many employers and self-employed individuals. HDHPs have higher deductibles and out-of-pocket expense limits than traditional health plans, but they cost less. A HDHP is obtained through your insurance company. HSAs, available at the State Bank of Arcadia, enable employees to pay for current health expenses and save for future expenses on a tax free basis.

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AgriPlan and BizPlan

AgriPlan/BizPlan is an employee benefit program that has been serving self-employed farmers and small business owners since 1986. By utilizing Internal Revenue Code Section 105, AgriPlan/BizPlan allows qualifying business owners to deduct 100% of family health insurance premiums as well as medical, dental and vision care expenses not covered by insurance. This plan will reduce your Federal Income Taxes, FICA taxes and State Taxes.

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Term and Key Employee Insurance

The primary purpose of life insurance is to provide for dependents at the death of a primary wage earner by paying for everyday needs, the home mortgage, or education of family members. It can also be used for business continuation issues if you own a small business.

For more information please contact:

Bruce A. Salzmann , Executive Vice President NMLSR # 508220
Keith V. Witte , Vice President NMLSR # 509053
Kurt C. Johnson , Senior Vice President NMLSR # 439991
Paul R. Lorenz , Senior Vice President NMLSR # 440080

*Insurance is:

  • NOT A DEPOSIT
  • NOT FDIC-INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • SUBJECT TO A DECREASE IN VALUE
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Member FDIC

State Bank of Arcadia
Phone: (608) 323.3331 — Fax: (608) 323.3110

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