REGULAR CHECKING

An account that covers all your checking needs.

• Unlimited check writing
• Online Banking, Bill Pay and eStatements available.  Please ask for details on how to enroll
• No maintenance fee if you maintain an average daily balance of $200 of more

• A charge of $.20 will be imposed for each debit transaction in excess of ten (10) during the statement cycle, if the average daily balance falls below $200.00

   

• Mastercard Debit Card is Available - If you choose to receive a Mastercard Debit Card, the following fees will apply:
   

  • ATM (non-Countryside Bank ATM)... three (3) free ATM withdrawals per statement cycle.
  • Surcharge free ATM withdrawals at Countryside Bank's ATMs 
  • Annual Fee of $10.00
  • Debit Card Replacement $10.00

  Reorder your checks by contacting a Customer Service Representative at (402) 828-3210 or tell us the next time you visit one of our branches. We are always happy to help.

SENIOR CHECKING

An account for those 50 years of age and above.

• An account for individuals that are age 50 or over and have a Social Security or a retirement check direct deposited.
• No maintenance or per item fees
• Unlimited check writing
• Online Banking, Bill Pay and eStatements available.  Please ask for details on how to enroll

• Mastercard Debit Card is Available - If you choose to receive a Mastercard Debit Card, the following fees will apply:
   

  • ATM (non-Countryside Bank ATM)... three (3) free ATM withdrawals per statement cycle
  • Surcharge free ATM withdrawals at Countryside Bank's ATMs 
  • Annual Fee of $10.00
  • Debit Card Replacement $10.00

  Reorder your checks by contacting a Customer Service Representative at (402) 828-3210 or tell us the next time you visit one of our branches. We are always happy to help.

STUDENT CHECKING

An account for the student.

• Requires a full time student thru college.
• No maintenance or per item fee
• Unlimited check writing
• Online Banking, Bill Pay and eStatements available. Please ask for details on how to enroll

• Mastercard Debit Card is Available - If you choose to receive a Mastercard Debit Card, the following fees will apply:
•  
• Surcharge free ATM withdrawals at Countryside Bank's ATMs 
• Annual Fee of $10.00
• Debit Card Replacement $10.00

Reorder your checks by contacting a Customer Service Representative at (402) 828-3210 or tell us the next time you visit one of our branches. We are always happy to help.

INTEREST CHECKING

A checking account that earns interest.

• Now available to BUSINESS customers
• Variable interest rate bearing account /interest paid monthly.  See our Rate Sheet for current interest rates.
• Unlimited check writing
• $1,000 deposit to open
• Online Banking, Bill Pay and eStatements available.  Please ask for details on how to enroll
• No maintenance fee if you maintain an average daily balance of $1,000
• A Monthly Maintenance Charge of $2.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000.00
• ATM (non-Countryside Bank ATM)...three (3) free ATM withdrawals per statement cycle.
  • Surcharge free ATM withdrawals at Countryside Bank's ATMs 
  • Annual Fee of $10.00

See our current rates

Reorder your checks by contacting a Customer Service Representative at (402) 828-3210 or tell us the next time you visit one of our branches. We are always happy to help.

CARDINAL ACCOUNT (MONEY MARKET ACCOUNT)

An account that earns more interest.

• A tiered, variable interest bearing account /interest paid monthly. See our Rate Sheet for current interest rates.
• Online Banking, Bill Pay and eStatements available.  Please ask for details on how to enroll
• No maintenance fee if you maintain an average daily balance of $1,000
• A Monthly Maintenance Charge of $2.00 will be imposed every statement cycle if the average daily balance for the statement cycle cycle falls below $1,000.00 
• Unlimited transfers permitted between accounts of the same depositor at Countryside Bank, if done in person, by messenger, by mail, ATM or to pay loans at the Bank.
• A $2.00 charge per debit will be imposed for each check or debit in excess of six (6) per monthly statement cycle.

REGULAR SAVINGS

A simple account to build your savings.

• Interest bearing account/paid quarterly.   See Rate Sheet for current interest rates.
• A service charge of $1.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $25.00.
• Excess Transaction Fee:  A charge per debit of $1.00 will be charged for each debit transaction in excess of 18 during the quarterly statement period.
• All credit transactions are processed first. Debits, or withdrawals, from your account will be processed as follows:  electronic items such as ATM and Preauthorized transactions then checks.  The items are processed from lowest to highest within each category.  The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

CDs offer a wide range of investment terms with a minimal investment account to open.

• Interest compounded and credited quarterly
• Fixed rate of interest earned during CD term
• IRA CDs are automatically renewable and subject to a penalty for early withdrawal

• $1,000 minimum investment
• Investment maturity options of 6, 9, and 12 months
• Your account will automatically renew at maturity.  You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.
• We will impose a penalty if you withdraw any or all of the deposited funds before the maturity date.  The fee imposed will equal 3 months of interest.

• Investment maturity options of 18, 24, 30, 36 and 48 months
• We will impose a penalty if you withdraw any or all of the deposited funds before the maturity date.  The fee imposed will equal 6 months of interest.

• $5,000 minimum investment
• Investment maturity options of 30 and 36 months
• At the customers request, the rate/APY on the Certificate of Deposit may be increased one time per 30 month term to the Countryside Bank posted or publishe rate/APY.

• $10,000 minimum investment
• Investment maturity options of 9 and 18 months

See our current Rates page for interest rates

We offer Traditional and Roth IRAs as investment options. You’ll enjoy peace of mind with these FDIC-insured products. Our Customer Service Representatives are ready to answer your questions and give you the assistance you need to meet your individual goals. Contact us for more information concerning our IRAs!

Traditional IRA

• Annual 2025/2024 contributions up to $7,000 or 100% of earned income, whichever is less. Contributions must be coordinated with other IRA contributions to ensure limit is not exceeded.
• Individuals 50 years of age and above may make additional contributions up to $1,000 per year.
• Contributions may be tax-deductible, depending upon the depositor's income and participation in an employer-sponsored retirement plan.
• Earnings are tax-deferred until withdrawn; then, the entire distribution - earnings and contributions - is taxable.
• Distributions before age 59½ are subject to IRS 10% premature distribution penalty, unless the IRA owner dies or becomes disabled, or the funds are used for one of the following purposes: a qualified first home purchase; higher education; eligible medical expenses exceeding 7.5% of adjusted gross income; or eligible medical insurance premiums by qualified unemployed individuals. Funds used for these purposes are taxable.
• Distributions must begin by age 73 (if you reach age 72 after Dec. 31, 2022) to avoid IRS penalties.
• A monthly Maintenance Charge of $1.00 will be imposed every quarter if the average daily balance for the quarter falls below $25.00.

Uniform Lifetime Table for RMDs in 2022 and Later (pdf)

Please consult a tax advisor for additional information.

See our Rates page for current rates.

Roth IRA

• To open, a depositor must earn compensation.
• Annual 2025/2024 contributions up to $7,000 or 100% of earned income, whichever is less. Coordinate with Traditional IRA contributions to ensure limit is not exceeded.
• Individuals 50 years of age and above may make additional contributions up to $1,000 per year.
• Contributions are not tax-deductible.
• Interest earnings are tax-free in most cases.
• Distributions are tax-free as long as the IRA has been open for five years and one of the following applies: the withdrawals occur after age 59½ and are substantially equal periodic distributions; the IRA owner dies or becomes disabled; or, the withdrawal is used for a qualified first home purchase, eligible medical expenses exceeding 7.5% of adjusted gross income; or eligible medical insurance premiums by qualified unemployed individuals. Distributions that do not meet these requirements may be taxable and subject to IRS 10% premature distribution penalty.
• Distributions may be used for qualified higher education expenses if the IRA has been open for five years. Earnings are taxable, but the distribution would not be subject to an IRS 10% premature distribution penalty.
• No age requirement for beginning distribution.
• A Monthly Maintenance Charge of $1.00 will be imposed every quarter if the average daily balance for the quarter falls below $25.00

Please consult a tax advisor for additional information.

See our Rates page for current rates.

A tax-advantaged medical savings account.

• Variable interest bearing account /interest paid quarterly. See our Rate Sheet for current interest rates.
• A Charge per debit of $1.00 will be charged for each debit transaction in excess of 18 during the quarterly statement period.
• A Monthly Maintenance Charge of $1.00 will be imposed every quarter if the average daily balance for the quarter falls below $25.00
• A Charge per debit of $1.00 will be charged for each debit transaction in excess of 18 during the quarterly statement period.
• Monitor your HSA with Online Banking.  You must apply for Online Banking and have a valid email account.

Please consult a tax advisor for additional information.

Benefits of Opening a Health Savings Account:

• Encourages you to save money for medical expenses
• Offers Tax Benefits:
   
  • Tax deductions when you contribute to your account
  • Tax free earnings through investment
  • Tax free withdrawals for qualifying medical expenses.
• Provides a way for employers to contribute to their employee’s health savings.
• Allows money to accumulate since unused HSA balances can be carried over from year to year.

HSA Frequently Asked Questions

Who is eligible for a HSA?

• Customers who are covered by a high-deductible health insurance plan, not yet enrolled in Medicare and are not eligible to be claimed as a dependent on another person’s  tax return.

How much can I contribute per year?

• The maximum contribution amounts for 2025 are:
   
  • $4,300 for an Individual (2024 $4,150 for an Individual)
  • $8,550 for a Family (2024 $8,300 for a Family)
  • Exception:  If you are over the age of 55 but under the age of 65, there are "catch up provisions" - you may contribute up to an additional $1,000 per year if not enrolled in Medicare.

What is the contribution deadline?

• The date on which you file your taxes, usually April 15 of each year.

What expenses qualify for tax-free distributions from my HSA?

• See IRS Publication 502 “Medical and Dental Expenses” for a complete list.
• Please consult your tax advisor whenever you are uncertain.