Irwin Bank and Trust
  17 May 2008
Statment Savings

"How Does Irwin Bank Make Saving So Easy?"

Saving has never been easier.
With Statement Savings, you make your deposit and we do the rest.
Statement Savings Account  

Saving has never been simpler or more convenient. With an Irwin Bank Statement Savings account, you receive monthly statements that update your account balance and earnings.

Free direct deposit of your payroll, pension, social security, interest and dividends is available. You can access your funds with a Free ATM card, Free In-Touch telephone banking or available IBT e-link internet banking. And at the end of the year, we'll even send you an IRS Form 1099 to help you with your taxes. What could be easier?

You can open an Irwin Bank Statement Savings account with just $25.00. There are no fees as long as you maintain a minimum balance of $25.00*.


"My paycheck automatically goes into my Statement Savings account. That way it earns interest until I need money. When needed, I use IBT e-link to transfer the funds to my Irwin Bank FREE Checking account. And Irwin Bank's combined monthly statement makes managing my money so simple. I hardly ever need to go to the bank! "



Savings Account Highlights

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E-Link Banking

Account Highlights  
  1. Competitive rates. Watch your savings grow!
  2. No service charges provided you maintain a minimum $25.00 balance.*
  3. Safe and secure. Your funds are insured by the FDIC, an agency of the U.S. government.
  4. FREE direct deposit of payroll, pension, social security, interest or dividends.
  5. Low $25.00 minimum opening deposit requirement.
  6. FREE ATM Card with eligibility. Access your funds all day, every day from most ATM locations. Free when you use an Irwin Bank ATM. Four non-Irwin Bank ATM transactions allowed at no charge. $1.50 per transaction in excess of four. Non Star/Cirrus ATM transactions cost $1.50.**
  7. FREE In-Touch telephone banking! Check balances and transfer funds from your telephone!
  8. Federal regulations restrict account activity to six transactions monthly.
  9. FREE IBT e-link internet banking with bill payment. (Checking account required.)***

* $3.00 monthly service charge will apply when account balance falls below $25.00.
** Does not include service charges of the non-Irwin Bank ATM operator.
*** Internet dial-up service not included.


"Can Irwin Bank Accommodate My Traditional Savings Style?"

Can Irwin Bank accommodate my traditional savings style
Yes! Watch your money grow with Passbook Savings.
Passbook Savings  

If you prefer using a traditional passbook to view your savings growth, Irwin Bank can accommodate you. Deposits and withdrawals can be made at any time by presenting your passbook at an Irwin Bank branch. A Passbook Savings account is also a great tool for teaching children how to save as they watch their money grow in their very own passbook.

Minimum deposit to open:      $25.00
Interest: Variable Interest Rate
Fees: None
Monthly Charge: $3.00 if the balance falls below $25.00
FDIC-insured: Funds are secure and guaranteed.



Be prepared for the holidays by joining our Christmas Club

"How Can I Prepare for Holiday Expenses?"

Ensure help in meeting your holiday bills by joining our Christmas Club.
Christmas Club  

Be prepared for the holidays by joining our Christmas Club savings account. You can use the provided coupon payment booklet to make regular deposits, or have funds automatically transferred at regular intervals from your Checking to your Club account. Interest is compounded daily to make the most of your short-term savings. Checks are paid in October -- just in time for shopping.

Minimum deposit to open:      $5.00
Interest: Variable interest rate
Fees: None
Monthly Charge: None
Penalties: Loss of interest plus a $10.00 fee for early withdrawal.


Revision 9-05