Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
La Salle State Bank
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+ Privacy Policy
As of 1/1/2023
| FACTS | WHAT DOES LaSALLE STATE BANK DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
FACTS Why? | WHAT DOES LaSALLE STATE BANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
FACTS What? | WHAT DOES LaSALLE STATE BANK DO WITH YOUR PERSONAL INFORMATION? The types of personal information we collect and share depend on the product or service you have with us. This information can include: (i) Social Security number and income; (ii) Account balances and transaction history; (iii) Credit history and credit scores. When you are no longer our customer, we continue to share your information as described in this notice. |
FACTS How? | WHAT DOES LaSALLE STATE BANK DO WITH YOUR PERSONAL INFORMATION? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons LaSalle State Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does LaSalle State Bank share? | Can you limit this sharing? |
|---|---|---|
Reasons we can share your personal information For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Does LaSalle State Bank share? Yes | Can you limit this sharing? No |
Reasons we can share your personal information For our marketing purposes— to offer our products and services to you | Does LaSalle State Bank share? Yes | Can you limit this sharing? No |
Reasons we can share your personal information For joint marketing with other financial companies | Does LaSalle State Bank share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For our affiliates’ everyday business purposes— information about your transactions and experiences | Does LaSalle State Bank share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For our affiliates’ everyday business purposes— information about your creditworthiness | Does LaSalle State Bank share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For our affiliates to market to you | Does LaSalle State Bank share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For nonaffiliates to market to you | Does LaSalle State Bank share? No | Can you limit this sharing? We don't share |
Questions? | Call Customer Service at 815-223-8800 |
| What we do | |
|---|---|
What we do How does LaSalle State Bank protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also restrict access to nonpublic personal information about you to those employees who need to know that information to provide you products and services. |
What we do How does LaSalle State Bank collect my personal information? | We collect your personal information, for example, when you
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What we do Why can't I limit all sharing? | Federal law gives you the right to limit only
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| Defintions | |
|---|---|
Defintions Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Defintions Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Defintions Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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+ La Salle State Bank Fee Schedule
The following fees may be assessed against your account effective 3/28/2023. Items in bold are effective 6/1/2023.
Account Research (one hour minimum) | $30.00 / hour |
Account Activity Printout (one free per statement cycle) | $1.00 / page |
Account Reconcilement | $30.00 / hour |
ATM Cash Withdrawal at Units We Do Not Own or Operate / Foreign ATM Withdrawal | $2.50 |
ATM International Cash Withdrawal | $3.00 |
ATM 24 Hour Withdrawal Limit | $500.00 |
ATM or Debit Card Replacement | $10.00 |
Auto License Tags | $7.50 |
Cashier’s Check | $5.00 |
Check Orders | Variable |
Collections | $15.00 plus other institution’s fees |
Counter Checks | $1.00 per four |
Dormant Account Fee (charged quarterly when no activity for 1 year for accounts with balances under $100 until the account has a $0 balance) | $5.00 |
Early Closure of Checking, Savings or Club Accounts (within 60 days of opening) | $25.00 |
Fax | $2.00 / first page + $1.00 / each additional |
Garnishments and Levies | $100.00 |
Gift Card | $6.95 |
Microfilm Copies | $2.00 / page |
Overdraft Fee (fee for paying an item that overdraws the account) (Overdraft fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means. All items presented totaling $10.00 or less will not be charged a fee. The maximum amount charged per day is $120.00.) | $30.00 per item, per presentment |
NSF Returned Item Fee (fee for returning an item unpaid)* (We may charge you an NSF fee each time an item or payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the item or payment is presented. All items presented totaling $10.00 or less will not be charged a fee. The maximum amount charged per day is $120.00.) | $30 per item, per presentment |
Notary Public Service | $5.00 |
Overdraft Protection (per transfer) | $5.00 |
Personal Money Orders: Up to $300.00 $300.01 to $500.00 | $2.00 $3.00 |
Photocopies | $0.25 / page |
Stop Payment | $30.00 |
Subpoena (plus research and copy fees) | $100.00 |
Telephone Transfer from Account to Account | $5.00 |
The following descriptions will be used when your account's actual balance (sometimes called the Ledger Balance) can cover items presented for payment, but due to Holds, the Available Balance is insufficient. (All items presented totaling $10.00 or less will not be charged a fee. The maximum amount charged per day is $120.00.) UCF AOD Paid Item Fee(s)= Uncollected Funds Paid Item Fee within your Allowable Overdraft Limit. (Allowable Overdraft fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means that are within your allowable overdraft limit. Allowable Overdraft Limits are only available through the BounceGuard Program. Eligibility requirements apply. Contact a Personal Banker for details.) UCF Paid Item Fee(s)= Uncollected Funds Paid Item Fee UCF Return Item Fee(s)= Uncollected Funds Return Item Fee ** See "Available Balance Due to Holds" example below. | $30.00 per item, per presentment |
Undeliverable Mail | $5.00 |
Wire Transfers (Domestic): Incoming Outgoing Wire Transfers (International): Incoming Outgoing | $10.00 $30.00 $15.00 $55.00 |
* Nonsufficient Funds (NSF) Fees: If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction, you agree that we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times by the merchant or other payee until it is paid, and that we do not monitor or control the number of times a transaction is presented for payment. We may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented. For example, you write a check from your account with us and the check is returned for non-sufficient funds, we may charge you a non-sufficient funds fee. If that same check is then represented to us for payment and the check is returned for non-sufficient funds again, we may charge you NSF fees the second time the check is presented for payment and returned for non-sufficient funds. For more information regarding NSF fees, please call our customer service department at 815-223-8800.
** Available Balance Due to Holds: For example, if you have $50 in your account and use your debit card to purchase a shirt for $30, the store seller can ask your bank to preauthorize the payment. The bank would then place a hold on your account for $30. As the debit card transaction is yet to be posted to your account, your current balance would be $50, but the available balance would only be $20. If you then spend another $50.00 at the store and we pay the debit on your behalf, you will be responsible for paying the overdrawn balance and we may charge you overdraft fees.
+ Accessibility Statement
La Salle State Bank strives to give all of our customers a pleasurable experience, in person and on our website. Our goal is that you will find our website clear and convenient. No matter what type of device you are on, a desktop computer or a mobile device, we hope you will find the information you need quickly and easily.
To help improve your site visit, we recommend using the latest version of your preferred web browser. This can help you customize viewing by adjusting font sizes and screen options.
If you have any problems using our website please don’t hesitate to contact us at 815-223-8800 or fill out our online question form.
+ State of Illinois Community Reinvestment Notice
Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Department of Financial and Professional Regulation (Secretary) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Secretary also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the ILCRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent ILCRA Performance Evaluation, prepared by the Secretary; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
At least 30 days before the beginning of each quarter, the Secretary publishes a list of the banks that are scheduled for ILCRA examination in that quarter. This list is available from the Secretary at 320 West Washington Street, 3rd Floor Springfield, IL 62786 and 555 West Monroe Street, Suite 500 Chicago, IL 60661. You may send written comments about our performance in helping to meet community credit needs to LaSalle State Bank, Attn: Michele Engel, CRA Officer, 654 First Street, LaSalle, IL 61301 and Secretary. You may also submit comments electronically through the Department’s Web site at https://idfpr.illinois.gov/admin/cra.html. Your letter, together with any response by us, will be considered by the Secretary in evaluating our ILCRA performance and may be made public.
You may ask to look at any comments received by the Secretary. You may also request from the Secretary an announcement of our applications covered by the ILCRA filed with the Secretary.
We are an affiliate of LSBancorp, Inc., a bank holding company. You may request from the Officer in Charge of Supervision, Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, IL 60604, an announcement of applications covered by the ILCRA filed by bank holding companies.
+ USA Patriot Act
As required by the
USA PATRIOT ACT
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents as stated below.
Who does this impact? For consumer accounts, Individual Signers, Authorized Signers, Trustees, Executors, Custodians, Minors, Powers of Attorney, Agents/Deputies, Guardians, Representative Payees, and Successor Custodians will be asked for identifying information. For business accounts, authorized signers may be asked for consumer account Patriot information. Legal Entity Owners with no other banking relationships will require a W9 for Social Security Number verification purposes.
Consumer Accounts
| Primary Patriot (Identification) | Secondary Patriot (Documentation) |
|---|---|
Primary Patriot (Identification) Unexpired Driver's License | Secondary Patriot (Documentation) Current Bill Verify |
Primary Patriot (Identification) Government Issued State ID | Secondary Patriot (Documentation) Postal Verification |
Primary Patriot (Identification) Passport Number | Secondary Patriot (Documentation) Tenant Agreement |
Primary Patriot (Identification) Alien Identification Card | |
Primary Patriot (Identification) Military ID Card |
Business Accounts
| Primary Patriot (Identification) | Secondary Patriot (Documentation) |
|---|---|
Primary Patriot (Identification) Articles of Incorporation | Secondary Patriot (Documentation) Proof of EIN Number |
Primary Patriot (Identification) Certificate of Incorporation | Secondary Patriot (Documentation) Good Standing Certificate |
Primary Patriot (Identification) Operating Agreement | Secondary Patriot (Documentation) Postal Verification |
Primary Patriot (Identification) Limited Liability Partnership Agreement | Secondary Patriot (Documentation) Tax Return or Financial Statements |
Primary Patriot (Identification) Certificate Trade Name | |
Primary Patriot (Identification) Certificate of Assumed Name | |
Primary Patriot (Identification) Minutes | |
Primary Patriot (Identification) Annual Elections of Officers | |
Primary Patriot (Identification) By-Laws | |
Primary Patriot (Identification) Business License Number |
Thank you for your understanding and cooperation in obtaining this necessary USA Patriot Act information.