Personal Checking

Checking Options

Rayne State Bank offers a full range of personal checking accounts to meet your needs.

All of our checking accounts offer Check Imaging, a service provided by Rayne State Bank in which you will receive images of your checks with your monthly statement. Images are in check sequence number order for easier reconciling of your account. Check Imaging reduces the amount of clutter that checks can make and keeps your documents together in one simple package. Should you have any questions, please contact Customer Service.

Advantage Club*

Advantage Club is an exclusive checking account providing a level of personalized service not found in other checking accounts for only $8.50 per month.

Advantage Club Plus*

For an interest-bearing account, join our Advantage Club Plus program for a low monthly rate of only $10.50.

Personal Checking

The most basic money management tool, the personal checking account, services the needs of those who know what their monthly costs are.

Personal Interest

We recommend this account for you if you keep higher balances in your account and want unrestricted check writing.

Personal Money Management

This account allows you the freedom to place excess cash in an investment and take advantage of an opportunity should it knock on your door.

Penny Pincher Checking

There is no minimum balance required to avoid service charge. Open with as little as $100.00.

There is a transaction fee of $0.10 per check over 35 in a statement cycle.

* Advantage Club benefits are not deposits, not FDIC-insured, not insured by any federal government agency, not guaranteed by the Bank, and may decrease in value.

Account Comparisons

Service	Personal Checking	Penny Pincher	Personal Interest	Personal Money Management
Deposit to Open	$100	$100	$100	$100
Average Balance to Avoid Service Charge	$1,000	None	$1,500	$2,500
Monthly Service Charges	$7	$.01 - e-Stmt $2.00 - w/o e-Stmt	$8	$10
Other Service Charges/Transaction Fees	Maintain an average balance of $2,500+ ... Unlimited check writing Average balance less than $2,500 ... $0.10 per check over 35 in statement cycle	$0.10 per check over 35 in statement cycle	$0.15 per check over 35 in statement cycle	6 withdrawals per statement cycle; $10 per withdrawal thereafter
Interest and Method of Payment	None	None	A Tiered Interest Rate Structure. Interest is compounded and credited monthly; the daily periodic rate is calculated on the average daily balance.	A Tiered Interest Rate Structure. Interest is compounded and credited monthly; the daily periodic rate is calculated on the average daily balance.

Additional Special Features & Products for Accounts

Service	Personal Checking	Penny Pincher	Personal Interest	Personal Money Management
Statement Check Imaging	FREE	FREE	FREE	FREE
24-Hour ATM/Debit Card Monthly Fee	FREE	$.99 e-Stmt $1.00 - w/o e-Stmt	FREE	N/A
Telephone Voice Response & Internet Banking Services	FREE	FREE	FREE	FREE
Automatic Bill Payment	YES - Ask a Customer Service Representative	YES - Ask a Customer Service Representative	YES - Ask a Customer Service Representative	N/A

Advantage Club Checking*

Advantage Club Plus*

For an interest-bearing account, join our Advantage Club Plus program for a low monthly rate of only $10.50. As added value, you will enjoy the special benefits of the Advantage Club program as well. For more information go to our Advantage Club Web site.

* Advantage Club Plus benefits are not deposits, not FDIC-insured, not insured by any federal government agency, not guaranteed by the Bank, and may decrease in value.

The most basic money management tool, the personal checking account serves the needs of those who know what their monthly costs are and wish to keep track of bills through payment by check or debit card, which is your indisputable proof of purchase.

Pay only $7 per month or pay nothing at all if you maintain an average balance of $1,000.
There is a transaction fee of $0.10 per check over 35 in a statement cycle.
This transaction fee is waived if you maintain an average balance of $2,500. Open with as little as $100.

We recommend this account for you if you keep higher balances in your account and want unrestricted check writing. You earn interest with no minimum balance to maintain and interest is accrued on a Tiered Interest Rate Structure (see our rate sheet of most current rate posting).

Pay only $8 per month or pay nothing at all if you maintain an average balance of $1,500.
There is a transaction fee of $0.15 per check over 35 in a statement cycle.
Regardless of your balance, you will earn interest on any balance you keep in your account.
Open with as little as $100.

Personal Money Management

If you want higher interest earnings and require liquidity, this account is for you. This account allows you the freedom to place excess cash in an investment and take advantage of an opportunity should it knock on your door. You earn interest with no minimum balance to maintain and interest is accrued on a Tiered Interest Rate Structure (see our rate sheet of most current rate posting).

Penny Pincher Checking

Monthly service charges vary depending on your choice of Penny Pincher account:

$ 0.01 – e-Statement
$2.00 – without e-Statement

Get an ATM/Debit Card for 24-hour access to your account for:

$0.99 – e-Statement
$1.00 – without e-Statement

There is no minimum balance required to avoid service charge. Open with as little as $100.00.

There is a transaction fee of $0.10 per check over 35 in a statement cycle.