Deposits


Country Free Checking

An absolutely free checking account.
  • No minimum balance.
  • No monthly maintenance fees.
  • Unlimited check writing.
  • Check images returned with statements.
  • Free ATM card or Visa debit/check card.
  • 10 free foreign ATM withdrawals per month; after tenth, $1.50 per withdrawal. No fee at BSB ATMs.
  • Free Online Banking & Bill Pay.
  • $50 minimum deposit to open.
  • Dormant Account Fee: $5 monthly fee on dormant accounts with a minimum balance less than $100.  An account is considered dormant after 12 months of inactivity.

Country Plus Interest Checking

A checking account that earns interest.
  • Variable interest bearing account, tiered interest based on balance/interest paid monthly.*
  • No monthly maintenance fees if $500 minimum daily balance is maintained.  $6 monthly maintenance fee if minimum daily balance falls below $500.
  • Unlimited check writing.
  • Check images returned with statements.
  • Free ATM card or Visa debit/check card.
  • 2 free foreign ATM withdrawals per month; after second, $1.50 per withdrawal. No fee at BSB ATMs.
  • Free Online Banking & Bill Pay.
  • $50 minimum deposit to open.
  • Interest is compounded and credited to this account monthly.  If you close this account before interest is paid, you will not receive the accrued interest.
  • Interest is calculated using the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use to make this calculation is monthly.

Country Gold Checking

An account for those 62 years of age and above.
  • Variable interest bearing account, tiered interest based on balance/interest paid monthly.*
  • A minimum daily balance of $1,000 is required to earn interest.
  • No monthly maintenance fees.
  • Free club checks.
  • Unlimited check writing.
  • Check images returned with statements.
  • Free ATM card or Visa debit/check card.
  • 2 free foreign ATM withdrawals per month; after second, $1.50 per withdrawal. No fee at BSB ATMs.
  • Free Online Banking & Bill Pay.
  • $50 minimum deposit to open.
  • Dormant Account Fee: $5 monthly fee on dormant accounts with a minimum balance less than $100.  An account is considered dormant after 12 months of inactivity.
  • Interest is compounded and credited to this account monthly.  If you close this account before interest is paid, you will not receive the accrued interest.
  • Interest is calculated using the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use to make this calculation is monthly.

Business or Government Agency

An account for Partnerships, Corporations, LLCs, Sole Proprietorships, or Government Agencies.
  • Check images returned with statements.
  • No fee for up to 40 checks per month.  $0.05 per check after 40.
  • No monthly maintenance fees if $500 monthly minimum average available balance is maintained.  $5 monthly maintenance fee if monthly minimum average available balance drops below $500.
  • Free ATM card or Visa debit/check card.
  • 2 free foreign ATM withdrawals per month; after second, $1.50 per withdrawal. No fee at BSB ATMs.
  • Free Online Banking.
  • Online Bill Pay - $2.50 monthly fee, includes up to 10 payments per month.  ($0.50 per payment after 10.)
  • $50 minimum deposit to open.

Money Market Savings

An account that earns more interest.
  • Variable interest bearing account, tiered interest based on balance.*
  • $1,000 minimum deposit to open.
  • No monthly maintenance fees if $1,000 daily minimum balance is maintained.  $6 monthly maintenance fee if daily minimum balance falls below $1,000.
  • Unlimited transfers permitted between accounts of the same depositor at Bank.  (If done in person, by messenger, by mail or to pay loans at the Bank.)
  • Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month including by check, draft, or similar order to third parties. If account exceeds 6 withdrawals per month, then $6 fee per item. If account repeats violation of more than 6 withdrawals per month, Bank must convert to transactional account.
  • Interest is compounded and credited to this account monthly.  If you close the account before interest is paid, you will not receive the accrued interest.
  • Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use to make this calculation is monthly.

Country Savings

A simple account to build your savings.
  • Interest bearing account/paid quarterly.*
  • $50 minimum deposit to open.
  • No monthly maintenance fees if $100 monthly minimum average ledger balance is maintained.  $2 monthly maintenance fee if monthly minimum average ledger balance falls below $100.
  • Free ATM card.
  • 1 free foreign ATM withdrawal per month; after first, $1.50 per withdrawal. No fee at BSB ATMs.
  • Unlimited transfers permitted between accounts of the same depositor at Bank. (If done in person, by messenger, by mail or to pay loans at the Bank.)
  • Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month including by check, draft, or similar order to third parties.  If account repeats violation of more than 6 withdrawals per month, Bank must convert to transactional account.
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Individual Retirement Account (IRA)

An excellent tool for retirement and/or education savings.
  • Four types to choose from: Traditional, Roth, and SEP IRAs as well as Coverdell Education Savings.
  • Interest bearing account; compounded/paid monthly.*
  • No annual fee.
  • One free premature distribution per year; $10 fee for each thereafter.
  • $20 fee for transferring funds out or closing the account.
  • Accounts must be opened and/or funded by April 15th.
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
To learn more about contribution limits, deadlines, restrictions, and other IRA-related information, you may visit this helpful IRS website or please feel free to contact one of our customer service representatives! 

Health Savings Account (HSA)

A tax-advantaged medical savings account.
  • Free Visa debit/check card.
  • Free Online Banking.
  • Minimum deposit to open is $1.
  • No monthly maintenance fees as long as you maintain a monthly average balance of at least $1,500 in your HSA.  If monthly average balance falls below $1,500, then a $2 maintenance fee will be incurred that month.
  • Interest* is compounded and credited to this account monthly.  If you close this account before interest is paid, you will not receive the accrued interest.
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Benefits of Opening a Health Savings Account:

  • Encourages you to save money for medical expenses and emergencies.

  • Offers Tax Benefits:
    • Contributions are tax-deductible.
    • Earnings grow tax-deferred.
    • Distributions for qualifying medical expenses are tax free.

  • Provides a way for employers to contribute to their employee's health savings.

  • Allows money to accumulate since unused HSA balances can be carried over from year to year.
  • Lets you roll over funds directly from a medical savings account.
  • Functions like a checking account:
    • Make unlimited transactions using checks or a FREE debit card.
    • Earn interest* on your HSA balance.
    • Monitor your HSA with Online Banking.

HSA Frequently Asked Questions:

Who is eligible for an HSA?
   Customers who are:
     - covered by a high-deductible health insurance plan.
     - not yet enrolled in Medicare.
     - not eligible to be claimed as a dependent on another person's tax return.

What are the insurance deductible requirements?
For 2016, the deductible must be at least:
     - $1,300 for an Individual
     - $2,600 for a Family
For 2017, the deductible must be at least:
     - $1,300 for an Individual
     - $2,600 for a Family

How much can I contribute per year?
The maximum contribution amounts are:
     - $3,350 (Individual) / $6,750 (Family) for 2016
     - $3,400 (Individual) / $6,750 (Family) for 2017
Exception:  If you are over the age of 55 but under the age of 65, there are "catch up provisions" - you may contribute an additional $1,000 per year for 2016 and 2017.

What is the contribution deadline?
The date on which you file your taxes, usually April 15 of each year.

What expenses qualify for tax-free distributions from my HSA?
See IRS Publication 502 "Medical and Dental Expenses" for a complete list.
We have also created this guide on HSA Qualified Expenses to help you, but please consult your tax advisor whenever you are uncertain.

 



*Please see our Rate Sheet for current interest rates.

Bruning

PO Box 100 104 Main Street Bruning, NE 68322 (800) 403-5889

Hebron

PO Box 185 252 South 13th St Hebron, NE 68370 (800) 405-6167

Broken Bow

PO Box 545 803 South D Street Broken Bow, NE 68822 (877) 872-2757

Holdrege

PO Box 315 1215 Burlington Street Holdrege, NE 68949 (877) 995-3880

Kearney

PO Box 2407 620 East 25th St, Ste #2 Kearney, NE 68848 (308) 455-3072
Memeber FDIC EQUAL HOUSING LENDER