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IMPORTANT

PHONE

Telephone Banking Customer service Toll-free line

NUMBERS

1-800-561-2314 615-451-4151 1-866-345-8877

OFFICE

Fly WITH PERSONAL BANKING

To report lost or stolen debit/credit card During banking hours 615-451-4151 After hours 1-800-554-8969

LOCATIONS

All Sumner Bank & Trust Checking Accounts Feature: Easy Access

PERSONAL

CHECKING

You have places to go and things to do. You also have bills to pay and things to buy. You need a checking account to take care of the day-to-day business of life. You want an account that gives you more, from a bank that understands. That’s where Sumner Bank & Trust comes in.

Main Office

Online Banking Online Bill Pay ATM Transactions Telephone Banking Visa® check card*

780 Browns Lane Gallatin, TN 37066 615-451-4151

** All Sumner Bank & Trust ATM transactions are free. All checking accounts offer up to four free nationwide ATM transactions per month for all accounts; additional free transactions vary by account.

Broadway Office 240 West Broadway Gallatin, TN 37066 615-452-8877

All of our checking accounts require a $50 minimum opening balance.

Preferred Banking Center 100 Bluegrass Commons, Suite 2102 Hendersonville, TN 37075 615-590-4100

Go Anywhere Checking

www.sumnerbankandtrust.com

Your checks are never in the mail – you pay your bills online. You carry your debit card, your credit card, your business cards and your receipts in your checkbook – but no checks. You never carry cash because there is always an ATM right around the corner. Anywhere Checking is your ticket to banking the way you want it to be – convenient, with no monthly fee and a great interest rate. Because we know you could bank anywhere and we’re glad you’re here. • • • • •

Unlimited free ATM transactions nationwide Image statements No annual fee credit card* First order of regular checks (50) free 10 free checks per month (just in case)

Monthly service fee? No $.40 per check over 10. Additional Fees? Yes. Interest is paid on your entire Interest? balance when you maintain a minimum daily balance of $1,000. Member FDIC

Banking your way means you can access your account whenever, wherever and however you want. That’s why our Easy Access package is included in all of our checking accounts at no extra cost. Use it all you want. It’s easy. And it’s free.

Equal Housing Lender

0507_2000


MORE CHECKING OPTIONS

Express Free Checking You prefer paper over plastic. Whip out your pen and checkbook and write away. We’re not going to stop you. • • • • •

Unlimited check writing First order of regular checks free (limit 50) Four free ATM transactions nationwide Monthly statements No annual fee credit card*

Monthly service fee? No Additional fees? $3.00 each for optional image statements. No Interest?

Momentum

SAVINGS,

Beyond Advantage Checking Why settle for plain cheese when you can order your pizza with “the works”? Pineapple, anchovies, artichoke hearts – you just can’t get too much of a good thing. We know your type. • • • • • • • • • • • • • •

Free Advantage Checks (150) Unlimited check writing Unlimited free ATM transactions nationwide Image statements No annual fee credit card* .25% loan discount with automatic pay Free traveler’s checks Free official checks (up to four per month) Free notary service $10,000 AD&D insurance $2,500 dependent child insurance Credit card registration Emergency towing reimbursement Hotel/car rental discounts

Monthly service fee? Yes. $10 Interest? No

Interest Checking You work hard for your money and you want it to work hard for you. You also want to access it your way: by check, by debit card, by ATM or online. We couldn’t agree with you more. • • • • •

Unlimited check writing First order of regular checks (50) free Unlimited free ATM transactions nationwide Image statements No annual fee credit card*

Monthly service fee? Maybe. $10; waived with a $1,500 minimum daily balance. Yes. Tiered interest earned on daily Interest? collected balances. Interest tiers: $0 – 2,499 $2,500 - 9,999 $10,000 - 24,999 $25,000 - 49,999 $50,000 or more

Soar Advantage 50 Interest Checking You want a checking account that is as full of life as you are. This is no time to slow down. You’re just getting started. Go far with all the features of our Advantage Checking, plus: • Free Advantage 50 Checks (150) • 50% discount on safe deposit box (subject to availability) • $100,000 common carrier life insurance Monthly service fee? Maybe. $8; waived by one of the following: $100 minimum daily balance or direct deposit Interest? Yes. Tiered interest earned on daily collected balances. Interest tiers: $0 – 2,499 $2,500 - 9,999 $10,000 - 24,999 $25,000 - 49,999 $50,000 or more * Subject to credit approval. Regular credit standards apply.

CDs,

IRAs

Rainy days. Vacation days. Retirement days. Set some aside and watch it grow. Someday you’ll be glad you did.

Regular Savings You’ve got to start somewhere. What better place than here? •No charge for first six withdrawals per quarter – $3 per withdrawal over six • Free Online Banking • Interest compounded monthly and posted quarterly • Account statement mailed quarterly Minimum to open? Service fee?

$50 Yes. $5 quarterly; waived by any of the following: •$100 minimum daily balance •Age 19 or younger

Christmas Club

Health Savings Account (HSA) You take care of your physical and your financial well-being. An HSA helps you do both. • • • • •

Free checks (up to 50) Free Visa® check card Free Telephone Banking Free Online Banking Unlimited free ATM transactions nationwide

Monthly Service Fee: Yes. $1

Certificates of Deposit (CD) You’ve got it – you just don’t need it right now. Park it here, set the meter and earn more. • • • •

Minimum deposit to open - $1,000 Grace period – 10 calendar days Automatically renewable Interest may be paid monthly, quarterly, annually or at maturity (at least once a year) by direct deposit or check

You know it’s coming. Save for it now so you won’t be hit with all those bills in January.

Individual Retirement Accounts (IRA)

• Account may be opened year round • Annual withdrawal in November • Simple interest posted immediately before distribution of check

You’re thinking about someday. Someday the kids will go to college. Someday you’ll retire, not retreat. Your IRA, Roth IRA or SEP will be there for you when that day comes with automatic interest distributions by check or direct deposit.

Minimum to open: Service fee? Other fees?

Minimum deposit to open? $100

$50 No $5 for first withdrawal (second withdrawal closes account)

Money Market Ready to take your savings to the next level? Check this out. • Six free withdrawals per month (with no more than three by check) – $15 per withdrawal or check written over limit • Free regular checks (50) • Free Online Banking • Monthly statements • Interest compounded monthly Interest tiers: $0 – 2,499 $2,500 - 9,999 $10,000 - 49,999 $50,000 - 99,999 $100,000 – 249,999 $250,000 or more Minimum to open: Service fee?

$50 Yes. $12; waived by the following: • $2,500 minimum daily balance

INVESTMENT

SERVICES

You know where you want to go in life. Our investment specialists are dedicated to helping you reach your current and future financial goals. They will help you define your financial goals, develop an investment strategy and provide ongoing support and service. For more information, give us a call at 615-451-4151.


Sumner Bank & Trust Brand/Collateral Refresh