Located At Entrance of Osage Beach Premium Outlets
4558 Osage Beach Parkway, Suite 100
Osage Beach, MO 65065
(573) 348-2265

Contact Us to Learn More
About Our Checking Accounts!

Interest Rates


Personal Checking Accounts

Whether you are in need of a simple checking account or an interest bearing account, we can help. We know that we have an account that is right for you.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://fdic.gov/deposit/deposits/unlimited/expiration.html.

First Free Checking

$50 is required to open this account. No minimum balance required and no interest paid. Electronic Statements ONLY.

First Basic Checking

$50 is required to open this account. Minimum balance required and no interest paid. This account offers a Debit Card, Free Direct Deposit, and Check Safekeeping (your checks are not returned in your monthly statement). If the balance falls below $400 on any day in the statement cycle. a maintenance fee of $5 will be imposed once during the cycle.

First Preferred Checking

$100 is required to open this account. Interest can be earned anytime the account balance is $750 or more. A Debit Card and Free Direct Deposit are offered. Statements are issued monthly and include an image of your cancelled checks.

Minimum balance to avoid imposition of fees

If balance falls below $750 on any day in the statement cycle a maintenance fee of $8 will be imposed once during the cycle.

If a customer or the bank closes an account within 180 days after opening of the account the customer will be charged a $30 closing fee.

Money Market Account

Requires $500 to open account. This account includes a monthly statement, an image of your checks, and Free Direct Deposit.

Minimum balance to avoid imposition of fees

If balance falls below $1,000 on any day in the statement cycle, a maintenance fee of $10.00 will be imposed once during the cycle.

Note: Federal Regulations restrict the number of withdrawals per month. Over (3) checks per cycle will result in a $10 charge each. Over (6) debit per cycle will result in a $10 charge each.

  • Rate Information
    Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

  • Determination of Rate
    At our discretion, we may change the interest rate on your account. Please call bank for current rate information.

  • Effect of Closing an Account
    If you close your account before interest is credited, you will not receive the accrued interest.

  • Daily Balance Computation Method
    We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

  • Accrual of Interest on Non Cash Deposits
    Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (e.g. checks)

  • Compounding and Crediting Frequency
    Interest will be compounded every month. Interest will be credited to your account every month.

LOCATION

First Bank of the Lake
4558 Osage Beach Parkway, Suite 100
Osage Beach MO 65065

firstbk@firstbanklake.com

Telephone
573-348-2265

HOURS OF OPERATION

Lobby Hours
Mon - Fri 8:30 AM - 4:00 PM

Drive Up Hours
Mon - Fri 8:00 AM - 5:00 PM

Saturday
Lobby & Drive Up
8:00 AM - 12:00 PM

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