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Personal Savings Accounts

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Begin. It's never too early to start saving

Mighty Bucks

We think this is the perfect savings account for children and young adults, because it’s never too early to start saving. Get your kids started off on the right financial foot by teaching them to save and manage their money responsibly by opening a MIGHTY BUCKS savings account at LSB.  You’ve got to be 18 years old or younger to qualify, the minimum balance requirement is small, and it pays a competitive variable rate of interest on deposits (compounded daily on your full balance and credited quarterly on your statement date.).  You can find the rate right here on our website.  MIGHTY BUCKS account holders even receive monthly paper statements, so even our youngest customers can watch their money grow!

  • Must be under the age of 18
  • $5.00 deposit to open
  • Competitive variable rate of interest (Rate info available here)
  • Quarterly paper statements

If you think a MIGHTY BUCKS savings account from La Salle State Bank might be the right savings account for you, contact one of our Personal Bankers for more information.

Build.Watch your money grow

Kasasa Saver®

Our unique KASASA SAVER account offers a great way to save when you already have a Kasasa rewards checking account from LSB.  Kasasa Cash® or Kasasa Cash Back® and Kasasa Saver® work together, so the rewards you earn each month on Kasasa Cash or Kasasa Cash Back are automatically deposited to KASASA SAVER.  All you have to do is meet the easy monthly requirements for Kasasa Cash or Kasasa Cash Back which you can learn all about here or here.  Plus, KASASA SAVER also earns its own amazing interest rate!  Like all of our Kasasa products, it’s totally fee free and there is no minimum balance requirement.  There’s so much to like about KASASA SAVER!

Here’s how you can earn more on your savings balances with KASASA SAVER:

  • Linked to free Kasasa Cash or Kasasa Cash Back account
  • 0.65% APY* on KASASA SAVER balances up to $50,000 when qualifications for your linked Kasasa Cash or Kasasa Cash Back account are met
  • 0.65 to 0.35% APY* on KASASA SAVER balances over $50,000 (depending on balance in account)
  • 0.05% APY*  if qualifications are not met on linked Kasasa Cash account
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back rewards
  • No monthly service fee
  • No minimum balance requirement
  • $50 minimum deposit to open

(*APY means Annual Percentage Yield.  APYs are accurate as of 11/19/2019.)

All that, and it’s easy to qualify!

The higher savings rate sounds fantastic, but that usually means it’s just too hard to qualify for all the great perks, right?.  That’s not the case with KASASA SAVER.  Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest KASASA SAVER rate.  Simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking at least once

You’re probably already doing these things anyway.  So, why not earn a higher savings rate for it?  Plus, it’s no problem if you miss a qualification cycle.  The accounts are still absolutely free, you’ll still earn our base interest rate on your average daily balances in the Kasasa accounts, and you can get back to earning rewards the very next month you qualify.  What’s not to like about that?

Be sure to speak with one of our Personal Bankers to learn more about the benefits of opening a KASASA SAVER savings account at La Salle State Bank.

+ * Click Here For Additional Information On Pairing Kasasa Saver With Kasasa Cash

KASASA SAVER WITH KASASA CASH – TRUTH IN SAVINGS DISCLOSURE

This disclosure contains the rules that govern your deposit account as of November19, 2019.

Account Overview

Kasasa Cash is a free variable rate checking account with no minimum balance that rewards accountholders with higher interest and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle.

Kasasa Saver is a free, variable rate, deposit account with no minimum balance that rewards accountholders with higher interest when they meet the minimum qualifications associated with their linked Kasasa Cash checking account during each Monthly Qualification Cycle.

If, for whatever reason, the Kasasa Saver portion of your account is closed, only the Kasasa Cash terms and conditions articulated within this disclosure will apply to the checking account.

A $50.00 minimum deposit is required to open the Kasasa Cash Account.  A $50.00 minimum deposit is required to open the Kasasa Saver Account.

Terms of your Kasasa Cash Checking Account when qualifications are met

Interest Rate & Annual Percentage Yield (APY) –  Daily balances up to and including $15,000.00 in your Kasasa Cash account earn an interest rate of 2.48% resulting in an APY of 2.50%; and daily balances over $15,000.00 earn an interest rate of 0.20% on the portion of the daily balance over $15,000.00, resulting in an range from 2.50% to 0.50% APY depending on the account’s daily balance. The interest rate and APY may change daily.  At our discretion we may change the interest on your account at any time. Fees may reduce earnings.

Compounding and Crediting –  Interest will be compounded on a daily basis and credited to your Kasasa Cash account on the last day of the current statement cycle.  Interest is automatically transferred to the Kasasa Saver account after each statement cycle.  If you close your account before the interest is credited, you will not receive the accrued interest.  Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

Balance Computation Method –  We use the daily balance method to calculate the interest in your Kasasa Cash account.  This method applies a periodic rate to the principal in the account each day for the period.  The period we use is the Statement Cycle.

Terms of your Kasasa Saver Account when qualifications of the Kasasa Cash Account are met

Interest Rate & Annual Percentage Yield (APY) –  Daily balances up to and including $50,000.00 in your Kasasa Saver account earn an interest rate of 0.648% resulting in an APY of 0.65%, and daily balances over $50,000.00 earn an interest rate of 0.20% on the portion of the daily balance over $50,000.00 resulting in a range from 0.65% to 0.35% APY depending on the account’s daily balance.  The interest rate and APY may change daily.  At our discretion we may change the interest on your account at any time. Fees may reduce earnings on the account.

Compounding and Crediting –  Interest will be compounded daily and credited to your Kasasa Saver account on the last day of the current statement cycle.  If you close your account before the interest is credited, you will not receive the accrued interest.  Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

Balance Computation Method –  We use the daily balance method to calculate the interest in your Kasasa Saver account.  This method applies a periodic rate to the principal in the account each day for the period.  The period we use is the Statement Cycle.

Terms of your Kasasa Cash Checking Account when qualifications are not met

Interest Rate & Annual Percentage Yield (APY) –  The interest rate will be 0.05% resulting in an APY of 0.05%.  The interest rate and APY may change daily.  At our discretion we may change the interest on your account at any time.  Fees may reduce earnings on the account.

Compounding and Crediting –  Interest will be compounded monthly and credited to your Kasasa Saver account on the last day of the current statement cycle.  If you close your account before the interest is credited, you will not receive the accrued interest.  Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

Balance Computation Method –  We use the average daily balance method to calculate the interest in your Kasasa Cash account.  This method applies a periodic rate to the average balance in the account for the period.  The period we use is the Statement Cycle.

Terms of your Kasasa Saver Account when qualifications of the Kasasa Cash Checking Account are not met

Interest Rate & Annual Percentage Yield (APY) –  The interest rate will be 0.05% resulting in an APY of 0.05%.  The interest rate and APY may change daily.  At our discretion we may change the interest on your account at any time.  Fees may reduce earnings on the account.

Compounding & Crediting –  Interest will be compounded monthly and credited to your Kasasa Saver account on the last day of the current statement cycle.  If you close your account before the interest is credited, you will not receive the accrued interest. Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

Balance Computation Method –  We use the average daily balance method to calculate the interest in your Kasasa Saver account.  This method applies a periodic rate to the average balance in the account for the period.  The period we use is the Statement Cycle.

Reward Information

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your Kasasa Cash account earn an interest rate of 2.48% resulting in an APY of 2.50%, and daily balances over $15,000.00 earn an interest rate of 0.20% on the portion of the daily balance over $15,000.00 resulting in a range from 2.50% to 0.50% APY depending on the account’s daily balance.

In addition, daily balances up to and including $50,000.00 in your Kasasa Saver account earn an interest rate of 0.648% resulting in an APY of 0.65%, and daily balances over $50,000.00 earn an interest rate of 0.20% on the portion of the daily balance over $50,000.00 resulting in a range from 0.65% to 0.35% APY depending on the Kasasa Saver account’s daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.  We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee.  If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if you provide us with the transaction receipt within sixty (60) calendar days of the withdrawal transaction.  Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

You will automatically qualify for the account’s rewards during your account’s first statement cycle.  If the account is closed before rewards are credited, you will forfeit the rewards.

 Qualification Information

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking at least once during the Monthly Qualification Cycle
  • Be enrolled in and have agreed to receive e-statements rather than paper statements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.

The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

Definitions

“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

“Banking Day” means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions.

“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

“Statement Cycle” means the period of time for which LaSalle State Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Additional Information

APY = Annual Percentage Yield.  APY calculations are based on an assumed balance of $15,000.00 + $100,000 in your Kasasa Cash account and $50,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  Enrollment in electronic services (e.g. online banking, e-statements) and log-ons is required to meet some of the account’s qualifications.  Limit of 1 account per Social Security Number.  This account is not to be used for commercial purposes.  If the account is closed, you will forfeit any rewards that have not been credited to your account; and any optional add-on products/services associated with this account will be terminated (Kasasa Protect).  Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

+ * Click Here For Additional Information On Pairing Kasasa Saver With Kasasa Cash Back

KASASA SAVER WITH KASASA CASH BACK – TRUTH IN SAVINGS DISCLOSURE

This disclosure contains the rules that govern your deposit account as of July 1, 2018.

Account Overview

Kasasa Cash Back is a free reward checking account with no minimum balance that rewards you with cash back on your debit card purchases and nationwide ATM withdrawal fee refunds when you meet minimum qualifications during the account’s Monthly Qualification Cycle.

Kasasa Saver is a free, variable rate, deposit account with no minimum balance that rewards you with more interest when you meet the minimum qualifications associated with your linked Kasasa Cash Back checking account during each Monthly Qualification Cycle.

If, for whatever reason, the Kasasa Saver portion of your account is closed, only the Kasasa Cash Back terms and conditions articulated within this disclosure will apply to the checking account.

A $50.00 minimum deposit is required to open the Kasasa Cash Back account. A $50.00 minimum deposit is also required to open the Kasasa Saver account.

Terms of your Kasasa Saver Account when qualifications of the Kasasa Cash Back Checking Account are met

Interest Rate & Annual Percentage Yield (APY) –  Daily balances up to and including $50,000.00 in your Kasasa Saver account earn an interest rate of 0.648% resulting in an APYof 0.65%, and daily balances over $50,000.00 earn an interest rate of 0.20% on the portion of the daily balance over $50,000.00 resulting in a range from 0.65% to 0.35% APY depending on the account’s daily balance.  The interest rate and APY may change daily.  At our discretion we may change the interest on your account at any time. Fees may reduce earnings on the account.

Compounding & Crediting –  Interest will be compounded daily and credited to your Kasasa Saver account on the last day of the current statement cycle.  If you close your account before the interest is credited, you will not receive the accrued interest.  Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

Balance Computation Method –  We use the daily balance method to calculate the interest in your Kasasa Saver account.  This method applies a periodic rate to the principal in the account each day for the period.  The period we use is the Statement Cycle.

Terms of your Kasasa Saver Account when qualifications of the Kasasa Cash Back Checking Account are not met

Interest Rate & Annual Percentage Yield (APY) –  The interest rate will be 0.05% resulting in an APY of 0.05%.  The interest rate and APY may change daily.  At our discretion we may change the interest on your account at any time. Fees may reduce earnings on the account.

Compounding & Crediting –  Interest will be compounded monthly and credited to your Kasasa Saver account on the last day of the current statement cycle.  If you close your account before the interest is credited, you will not receive the accrued interest.  Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

Balance Computation Method –  We use the average daily balance method to calculate the interest in your Kasasa Saver account.  This method applies a periodic rate to the average balance in the account for the period.  The period we use is the Statement Cycle.

Reward Information

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $200.00 in debit card purchases that post and settle to the account during that cycle period.  A maximum of $6.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle.  We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee.  If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if you provide us with the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Rewards less than a penny cannot be distributed.  You will automatically qualify for the account’s rewards during your account’s first statement cycle.  If the account is closed before rewards are credited, you will forfeit the rewards.

Qualification Information

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases,
  • Be enrolled in and log into online banking at least once during the Monthly Qualification Cycle
  • Be enrolled in and have agreed to receive e-statements rather than paper statements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the rewards.

The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

Definitions

“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

“Banking Day” means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions.

“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25.  If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

“Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Additional Information

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  See accompanying LaSalle State Bank Fee Schedule for fees that may apply to this account.  Enrollment in electronic services (e.g. online banking, e-statements) and log-ons is required to meet some of the account’s qualifications.  Limit of 1 account per Social Security Number. This account is not to be used for commercial purposes.  If the account is closed, you will forfeit any rewards that have not been credited to your account, and any optional add-on products/services associated with this account will be terminated (Kasasa Protect).  APY calculations are based on an assumed balance of $50,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.  Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Community Savings

Like our Community and Community Premier checking accounts, the COMMUNITY savings account is LSB’s gimmick-less savings account.  If you don’t need anything fancy, but you just want a simple, solid savings account that pays a good rate, then the COMMUNITY savings account might be right for you.  You will earn a competitive rate of interest (rate available here) that is compounded daily on your account balance and paid quarterly so you earn a higher yield.  All deposits, withdrawals, interest earned and ATM transactions will appear on your mailed quarterly statement or your e-Statement.  Plus, with a COMMUNITY savings account, you’ll get access to our very convenient mobile and online banking products.

Here are some of the additional features of the COMMUNITY savings account:

  • $50 deposit to open
  • Convenient e-Statements or quarterly paper statements
  • Mobile and online banking
  • StateFone usage (Get account balances, transfer money between LSB accounts, register your debit card from your phone by calling 815-223-8801.  Password required.)
  • Competitive variable rate of interest (Interest compounded daily on your full balance and credited quarterly on your statement date.)
  • ATM card

If you think a COMMUNITY savings account from La Salle State Bank might be the right savings account for you, contact one of our Personal Bankers for more information on this account and all of our other great deposit account options.

Community Money Market

It’s like a checking account and a savings account had a baby. The COMMUNITY MONEY MARKET account offers the convenience and flexibility of a checking account with the high interest rate of a savings account. This account is meant for customers who need ready access to their larger deposit balances, so a Certificate of Deposit isn’t a good fit, but these customers also want to earn a higher interest rate on their deposits than a regular savings account offers. With a COMMUNITY MONEY MARKET account, you’ll get six checks to use per month, your funds will earn a competitive interest rate (see the rate here), and you’ll have access to our very convenient mobile and online banking products. This account does require a higher initial deposit, requires a higher minimum average deposit, and a maintenance fee can apply if you fall short of the balance requirement, but the COMMUNITY MONEY MARKET account is a convenient way to have access to your funds while earning interest.

Here are some of the additional features of the COMMUNITY MONEY MARKET account:

  • Competitive tiered variable rate of interest (Interest is computed by using the daily balance method and is credited to the account monthly on the statement cycle date.)
  • ATM card
  • Convenient e-Statements or monthly paper statements
  • Mobile and online banking
  • StateFone usage  (Get account balances, transfer money between LSB accounts, register your debit card from your phone by calling 815-223-8801.  Password required.)
  • Maintenance fee may apply  (A maintenance fee of $8 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below the minimum balance as indicated in your account category.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The $8 maintenance fee is waived by maintaining the minimum average daily balance of $1,000 for the monthly statement cycle.)

If you think a COMMUNITY MONEY MARKET account from La Salle State Bank might be the right way to save for you, contact one of our Personal Bankers for more information.