Terre Haute Savings Bank
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Checking Accounts


ATM/Debit Card Disclosures

If you have received an ATM or debit card, the daily limit will be $200. If you desire a change in this limit, you must complete an ATM/Debit Card Modification Form. You will be notified if this request has been accepted or denied.

Debit card disclosure -- $200 in available funds must be deposited in the account to be eligible for a debit card.

ATM disclosure -- $50 in available funds must be deposited in the account to be eligible for an ATM card.


Checking Account Disclosures

The interest rate(s) may change after the account is opened.
Fees could reduce the earnings on the account(s).

Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.  We may change the interest rate on your account at any time.  If you close your account before interest is credited, you will receive the accrued interest.

By signing the signature card, your account will be opened and you are bound to the agreement and the rules and regulations in it.  Only an officer of the Bank may vary the terms of agreements and it is only effective when done in writing by an officer.

State law requires banks to surrender unclaimed or otherwise assumed abandoned property to the Attorney General's office.  If we are unable to contact you by mail or you have not kept in contact with the Bank within three (3) years, with you initiating no activity, it will be presumed abandoned. You may contact the Bank for the address and/or appropriate form to claim this property once it has been forwarded to the Attorney General.


Checking Plus

  • You must deposit $50 to open this account
  • No minimum balance requirement
  • No maintenance fees will be assessed on this account
  • No interest paid on this account
  • Unlimited check writing privileges
  • Complimentary first check order
  • Debit card 
  • Online Banking
  • Online Bill Pay

 

NOW Checking

  • You must deposit $1,000 to open this account
  • To avoid the $5 maintenance fee, the account balance must not fall below $1,000 any day during the statement cycle; a minimum fee of $0.10 will also be imposed for each debit if the balance falls below $1,000 during the statement cycle
  • Interest is compounded daily and credited monthly
  • Unlimited check writing
  • Debit card 
  • Online Banking
  • Online Bill Pay
     

 

Super NOW Accounts

  • You must deposit $2,500 to open this account
  • Interest is paid on two tiered levels: less than $2,500 and $2,500 or more
  • If the balance falls below $2,500 during the statement cycle, a $10 monthly maintenance fee will be imposed
  • Interest is compounded daily and credited monthly
  • Unlimited check writing
  • Debit card 
  • Online Banking
  • Online Bill Pay
     

Platinum Plus

  • You must deposit $100 to open this account and you must maintain an aggregate balance of $5,000 in all THSB accounts; should you fall below the $5,000 aggregate balance, the account will convert to a Super NOW Checking Account  
  • You must be age 50 or older to qualify for this account
  • Interest is paid on two tiered levels: less than $2,500 or $2,500 or more
  • No service charges
  • Interest is compounded daily and credited monthly
  • Complimentary checks in the Platinum Plus style
  • Complimentary cashier's checks
  • Complimentary review of wills, assets, trusts, and estate plans
  • Unlimited Check Writing
  • Online Banking
  • Online Bill Pay
  • Debit Card

 

Direct Deposit Checking

  • You must deposit $50 to open this account
  • There is no minimum balance requirement
  • There must be at least one monthly recurring direct deposit
  • No maintenance fees will be assessed on this account
  • Interest is compounded daily and credited monthly
  • Unlimited check writing
  • Online banking and online bill pay
  • Debit card
  • Complimentary first check order

 

Money Market Plus

  • You  must deposit $1,000 to open this account
  • If the balance falls below $1,000 during the statement cycle, a $20 monthly maintenance fee will be imposed
  • If your account is closed within six months of the date opened, a $25 close-out penalty will be imposed
  • You may make only six (6) pre-authorized transfers each statement cycle month; there are unlimited withdrawals in person or by mail (signature is required)
  • The minimum amount for withdrawal is $500
  • Interest is compounded daily and credited monthly
  • Interest is paid on five tiered levels: less than $1,000; $1,000 but less than $10,000; $10,000 but less than $50,000; $50,000 but less than $100,000; and $100,000 or more

 

Health Savings Account

  • There is no minimum amount required to open this account
  • There is no minimum balance requirement on this account
  • There is no monthly service charge assessed on this account
  • There is no Overdraft Protection or Overdraft Privilege available with this account
  • Interest is compounded daily and credited monthly
  • Interest is paid on two tiered levels: less than $2,500 and $2,500 or more
  • A debit card will be provided for this account
  • Preselected checks will be issued should the customer so desire
  • Account holder will have access to online banking and online bill pay  

 

FDIC Equal Housing Lender
Terre Haute Savings Bank - 533 Ohio Street - Terre Haute, IN 47808 - 1-888-245-1929 - (812) 234-4864 - Fax (812) 234-4860 - Bank-By-Phone (877) 611-3880