We offer a variety of account options with features designed to meet your particular needs.  All accounts produce a convenient, easy-to-read, monthly statement that you can receive electronically or by regular mail.

Senior Citizens Checking

• Available to persons 65 years old or older
• Minimum deposit of $25 to open
• Unlimited check writing
• Visa Checkcard or ATM Card available
• No monthly service charge

Student Checking

• Available to persons who are full time students
• Minimum deposit of $25 to open
• Unlimited check writing
• Visa Checkcard or ATM Card available
• No monthly service charge

Banclub

• Minimum deposit of $25 to open
• No minimum balance required
• Unlimited check writing
• Visa Checkcard or ATM Card available
• A monthly membership fee applies
• Wallet style Banclub checks at no charge
• Accidental death insurance
• Identity Theft Insurance with fraud assistance 

Personal Regular Checking

• Minimum deposit of $25 to open
• Unlimited check writing
• Visa Checkcard or ATM Card available 
• See Service Charge Chart below for service charges that may be assessed 

Service Charge Chart

No monthly service charge will be assessed if:

1.        your minimum daily balance is $400 or more during the statement cycle, or

2.        your monthly average daily balance is $1,000 or more in the account, or

3.        you maintain a savings account with a minimum daily balance of $1,000 or more

4.        if you maintain a money market account with a minimum daily balance of $2,500 or more.  However, you must notify us in order to cross-reference the savings or money market account.

A monthly service charge will be assessed, as follows, if the above does not apply and if the minimum daily balance is:

$300.00 - $399.00 then $2.00 will be assessed.

$200.00 - $299.99 then $3.00 will be assessed.

$100.00 - $199.99 then $4.00 will be assessed.

Less than $100.00 then $5.00 will be assessed.

There may be other account fees and/or miscellaneous fees and charges which may be assessed against your account.

 Business Regular Checking

• Minimum deposit of $25 to open
• Unlimited check writing
• Visa Checkcard or ATM Card available
• See Service Charge Chart above for service charges that may be assessed

Select Now (Interest Bearing Checking)

• Minimum deposit of $1,000 to open
• Variable interest rate (Current rates on website)
• Interest paid monthly 
• Unlimited check writing
• Visa Checkcard or ATM Card available
• Banclub available with this account
• Monthly service charge of $5 if: 1) collected daily balance falls below $1,000, or 2) if you do not maintain a $2,000 average collected daily balance, or 3) a $1,500 collected daily balance is not maintained in a savings account, or 4) a $2,500 collected daily balance is not maintained in a money market account.  However, you must notify us in order to cross-reference this account to the savings or money market account.  If the collected balance falls below $2,500, interest will be paid at a lower rate until the balance reaches $2,500 again.

Health Savings Account

• Minimum deposit of $50 to open
• Variable interest rate on balances above $2,500 (Current rates on website)
• Interest paid monthly
• Annual service charge of $20
• HSA check card available
• Rules for eligibility, contributions and distributions can be found in IRS Publication 969 at www.irs.gov

Clinton Bank Insured Money Market Fund (CBIMM) - Personal

• Minimum deposit of $2,500 to open
• Variable interest rate (Current rates on website) 
• Interest paid monthly 
• Six transfers per month
• Visa Checkcard or ATM Card available
• Monthly service charge of $5 if: 1) collected daily balance falls below $1,000.  If collected balance falls below $2,500, interest will be paid at a lower rate until the balance reaches $2,500 again.  

Clinton Bank Insured Money Market Fund - Business

• Minimum deposit of $2,500 to open account
• Variable interest rate on balances above $2,500 (Current rates on website)
• Interest paid monthly
• Six transfers per month 
• Visa Checkcard or ATM Card available
• Monthly service charge of $5 if the collected daily balance falls below $1,000

Savings

• Minimum deposit of $50 to open account
• Variable interest rate (Current rates on website) 
• Interest paid quarterly
• Six withdrawals per quarter without service charge
• $3 service charge per withdrawal exceeding 6 per quarter
• Minimum daily balance of $25 to avoid $1 monthly fee 

GPA Savings

• Minimum deposit of $10 to open account
• Variable interest rate (Current rates on website)
• Interest paid quarterly
• Hickman County student paid for each 9 weeks GPA
• Withdrawals only in June and July

Christmas Club

• Minimum deposit of $2 to open account
• Variable interest rate (Current rates on website) 
• Interest paid at end of term
• Account proceeds will be paid by check, annually in  October

   

Please check with us for a full disclosure that may pertain to these accounts.

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Clinton Bank provides a variety of loans for most consumer, commercial, and agricultural purposes.  We are locally owned, we make our own loan decisions, and your loan is serviced by people you know and trust.  Contact one of our loan specialists to answer your questions and discuss how we can help you acheive your goals.

• First Time Home Buyers (Fixed Rate, No Closing Costs)
• Fixed and Adjustable Rate
• Home Improvement
• Construction  

• Land and Equipment Purchase
• Operating Loans and Lines of Credit
• Livestock Purchase
• Poultry Facilities
• F S A Guaranteed Loans

• Personal
• Auto
• Boat
• Recreational Vehicles

• Real Estate
• Lines of Credit
• Investment Property
• S B A Guaranteed Loans

Clinton Bank has full trust powers granted under Kentucky Statutes. Fees vary depending on size and provisions of the will or trust.

Safe Deposit Boxes

5" x 5" x 24" . . . . . . . . . . . . . . . Annual Fee $30.00

5" x 10" x 24" . . . . . . . . . . . . . . Annual Fee $40.00

10" x 9" x 24" . . . . . . . . . . . . . . Annual Fee $50.00

Lost Key Replacement . . . . . . . . . . . . . . . . .$20.00

Drill box to open if key lost . . . . . . . . . . . . $150.00

Late Fee per Quarter . . . . . . . . . . . . . . . . . . . $5.00

Account Fees

Overdrafts . . . . . . . . . . . . . . . . . . . . .$20.00 per check

Returned Checks . . . . . . . . . . . . . . $20.00 per check

Continuous Negative Balance. . . . . . . . . $5.00 per day, beginning with the 5th consecutive day

Stop Payments . . . . . . . . . . . . . . . . .$15.00 per stop payment

ACH Return . . . . . . . . . . . . . . . . . . . .$15.00 per return

VISA Chargeback . . . . . . . . . . . . . .  $20.00 per chargeback

Send Item for Collection . . . . . . . . . $20.00 per item

Dormant Accounts Under $100.00  . . . . . .$3.00 per month

Garnishments / Levys . . . . . . . . . . . $40.00 per order

Special Statement Request . . . .$1.00 per statement, $1.00 per check

Printed Checks & Deposit Tickets . . . . . Charges vary depending on the type ordered

Balancing Customer's Checkbook . . . . . $20.00 per hour, $20.00 minimum (No charge if bank error)

Research of Accounts . . . . . . $25.00 per hour, $25.00 minimum

Checkcard/ATM Card Replacement . . . . $5.00 per card

PIN Replacement . . . . . . . . . . . . . . . . . . . . . $5.00

Travel/Gift Cards

One Travel Card . . . . . . . . . . . . . . . . . . . . .$10.00 per card

Two Travel Cards per account . . . . . . .  $15.00

Reload Fee . . . . . . . . . . . . . . . . . . . . . . . . . . $ 5.00

Gift Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $7.00 

Personal Money Orders

$1.00 - $100.00 . . . . . . . . . . . . . . $1.50 per check

$100.01 - $300.00 . . . . . . . . . . . . $3.00 per check

$300.01 - $499.99 . . . . . . . . . . . . $4.00 per check

$500.00 or more . . . . . . . . . . . . . $5.00 per check

Cashier's Checks

All Cashier's Checks . . . . . . . . . $5.00 per check

Collections & Exchanges

Incoming & Outgoing Wires . . . . . . . . . . . . . . $15.00 per wire

International Outgoing Wires . . . . . . . . . . . . . $50.00 per wire

International Incoming Wires . . . . . . . . . . . . . $15.00 per wire

Customer Service

Incoming and Outgoing Fax . . . . . . . $1.00 per page

Copies . . . . . . . . . . . . . . . . . . . $0.50 per page

Notary Service . . . . . . . . . . . . $5.00 (non-customer)

Check Cashing for Non-Customers . . . . . $1.00 per $100

If you have any questions please contact us at                     (270) 653-4001.