Tri-Parish Bank Personal
Banking Choices

Checking

Your No Frills FREE Checking Account
Free Personal Checking ideal for everyone.
With the "No Frills FREE Personal Checking" account you will receive...

• No monthly service charge
• No minimum balance requirements
• Unlimited check writing privileges
• Free banking by phone 24 hours a day
• Detailed monthly statement privilege
• Imaged checks held in safekeeping
• Debit card and VISA/MasterCard services available
• Free Internet Banking
• Free Internet Bill Pay Service

No minimum deposit required to open account

Your TPB Ultimate Checking Account
TPB Ultimate Checking Account is an exclusive checking account designed for our valued customers
With the "TPB Ultimate Checking" account you will receive...

• No minimum balance required
• Imaged checks provided with detailed monthly statement  
• Free banking by phone 24 hours a day
• Unlimited checking writing privileges
• Free personalized checks pre-selected style only 200 checks per order   
• Debit card and VISA/MasterCard services available
• Free travelers checks and money orders
• $10,000 Accidental Death Insurance
• Special TPB Ultimate privileges and valuable discounts
• Free Internet Banking
• Free Internet Bill Pay Service

All for only a $9.00 monthly service charge.  The monthly service charge is waived with direct deposit.
A $100.00 deposit to open account.

Your Interest Bearing NOW Personal Checking Account
NOW account allows interest paid to you on your funds.
With a "NOW Personal Checking" account you will receive...

• A competitive interest rate on your average daily balance of $1,000.00 or greater
• Free banking by phone 24 hours a day
• Debit card and Visa/MasterCard services available
• Imaged checks provided with monthly detailed statement
• Free Internet Banking
• Free Internet Bill Pay Service

A $8.00 monthly service charge will be assessed every month if the average daily balance falls below $1,000.00.  A service charge of 20 cents per item will be charged on each item in excess of 50 per statement cycle.
A $1,000.00 deposit to open account

Your Interest Bearing Treasury Index Checking Account
Treasury Index account is the perfect reward for your high balance checking account. You will earn a competitive rate of interest tied to the 30 day Treasury Bill Ask Rate.

With a "Treasury Index Checking" account you will receive...

• Earn premium interest based on your average daily balance
• Interest will be compounded monthly
• Unlimited checking writing privilegess
• Free banking by phone 24 hours a day
• Free Debit card
• VISA or MasterCard services available
• Imaged checks provided with detailed monthly statement
• Free Internet Banking
• Free Internet Bill Pay Services

A $20.00 service charge fee will be charged every month if the average daily balance falls below $5,000.00.

A $5,000.00 deposit to open account

SAVINGS

Your Sharp Savings Account
Whether you are saving for a vacation or a new home, a Sharp Savings account helps your money grow
With a "Sharp Savings" account you will receive...

• Free banking by phone 24 hours a day
• Interest is compounded quarterly
• Convenience of automatic weekly or monthly deposits
• Free Internet Banking

A $100.00 deposit to open account

Your Junior Sharp Savings Account
Junior Sharp Savings account is a perfect way for children to learn to save money and watch their money grow
With a "Junior Sharp Savings" account you will receive...

• Free banking by phone 24 hours a day
• No quarterly service charge
• No minimum balance is required
• Earn interest on your funds
• Interest is compounded quarterly
• Free to all depositors 18 years or younger

A $10.00 deposit to open account

Your Christmas Club Account
Christmas Club account will help you have all the "extra" money you need during the holiday season.
With a "Christmas Club" account you will receive...

• Convenience of automatic weekly or monthly deposits
• No monthly service charge
• No minimum balance is required
• Free Internet Banking

A $10.00 deposit to open account

Your Certificates of Deposit
You can choose the C.D. term that best fits your needs. Our C.D. terms range from 30 days to 3 years. We also offer special 1, 2 and 3 year Rate Riser Certificate of Deposits. A rate riser certificate of deposit allows you the customer to adjust the rate of the certificate during the term of the certificate.

Individual Retirement Accounts
You can plan your retirement with confidence knowing that your deposits are insured by the FDIC. You can choose from...

• Traditional IRA
• Roth IRA
• Simplified Employers Pension (SEP)
• Rollovers, transfers, contributions and distributions

Your Health Savings Account
With the "HSA" account you will receive...

• Earn interest every day.  A $600.00 minimum average daily balance is required to earn interest
• Free banking by phone 24 hours a day
• Free Internet Banking
• Free Internet Bill Pay Service
• Free Debit Card

Should your balance drop below $100.00, a $10.00 monthly service charge will be assessed.

A $100.00 deposit to open account

Additional Products and Service Choices for Personal Banking

Consumer Loans
Whether you are looking for a different vehicle or want to make improvements to your home. We are here to help.

• Personal Loans
• New and Used Vehicle loans
• Boat loans
• Recreational vehicle loans
• Home Equity loans
• Home Loans for purchase or refinance
• Real Estate loans
• Home improvement loans
• Student Loans

Mortgage Loans
Whether you are looking to build, first time home buyer or wanting a bigger home we are here to help

Automated and Local Underwriting
We have an automated underwriting system, in most cases, we will provide you with a lending decision with 48 hours of your completed application. We also have a local in house underwriter who understands our market and who is better at making quick lending decisions than some one from out of our area.

One time closing program
When you decide to build, we offer a combination construction and permanent loan with one fee and one application. Your builder will enjoy our easy draw system to keep your project on schedule and in budget. You will enjoy the money and time you save by having one fee and one application.

High Loan-to-Value Program
We offer qualified individuals up to 100% financing. With 30 year financing, fixed payments and no pre-payment penalty. This means you can buy a larger home!

Credit Problem Loans
We offer special programs for individuals with past credit problems or high income to expense ratios.

Self-employer program
We have a program where the emphasis is placed on excellent credit and loan-to-value. No verification of income or assets.

We also offer FHA Loans, adjustable rate mortgages, and fixed rate 10 – 30 year mortgage loans. If you do not see a program that will fit your needs give us a call we have additional programs not included on this list.

Additional Choices

• MasterMoney Debit Card
• Automated Teller Machines
• Visa and MasterCard Credit Card
• Internet Banking
• Internet Bill Pay Service
• Bounce Protection (overdraft protection)
• Automatic transfers
• Direct Deposit
• Money orders/ certified checks
• 24-HourTelephone Banking
• Night Deposit
• Notary public
• Safe Deposit Boxes
• Wire Transfers
• Travelers checks

To calculate your Home Mortgage needs click on the
Financial Tools tab on the top of the page, then select
the Calculators button, lastly choose the
Home Buying or Home Mortgage option.

Tri-Parish Bank Business Banking Choices

Each business has special banking needs. Tri-Parish Bank offers several business checking accounts that will fit your needs.

Commerical Checking Account
You rely on accurate and timely information to keep your business running smoothly. You can count on Tri-Parish Bank for your financial needs.

• Available to any business or organization
• No minimum balance requirement
• Convenient and timely detailed monthly statements
• Free Internet Banking

A $100.00 deposit to open account

Bottom Line Business Checking Account
An economical checking account designed especially for the small business owner.

• No monthly service charge
• Available to any business with low transaction volume
• Security of FDIC Insurance
• Free internet banking 24 hours a day
• Free banking by phone 24 hours a day
• Imaged checks provided with detailed monthly statements

A $250.00 deposit to open account
No monthly service charge. A per debit fee of 50 cents will be charged on each debit item in excess of 300.

Interest Bearing HIFI Business Checking Account
An excellent cash management tool designed for long or short term cash surpluses with all the benefits of a checking account.

• Available to any business, organization or public body
• A competitive interest rate on your average daily balance of $2,500 or greater
• Security of FDIC Insurance
• Free banking by phone 24 hours a day
• Convenient detailed monthly statements
• Free Internet Banking

A $2,500.00 deposit to open account.  A fee of $5.00 will be imposed every month if the average daily balance for the period falls below $2,500

Interest Bearing Cash Management Business Checking Account
This account will automatically invest short-term cash surpluses on an over night basis, and yet still have immediate access of funds.

• Available to any business, corporation or public body
• Earnings on cash surpluses on a per day basis.
• Immediate access of funds
• Fully automated no need to verify balance on a daily basis
• Free banking by phone 24 hours a day
• Convenient detailed monthly statements
• Free Internet Banking

NOW IOLTA
This account is available to Louisiana Attorneys.

• A competitive interest rate is paid to the Louisiana Bar Foundation on your average daily balance
• Free banking by phone 24 hours a day
• Security of FDIC Insurance
• Imaged checks provided with detailed monthly statement
• Free Internet Banking

A $8.00 service charge will be charged each month if the average daily balance falls below $1,000.00. A fee of 20 cents per item will be charged on all items in excess of 50.

A  $1,000.00 deposit to open account

SAVINGS

Your Business Savings Account
A place to accumulate funds while earning a competitive interest rate.
With a "Sharp Savings" account you will receive...

• A quarterly statement
• Free banking by phone 24 hours a day
• Interest is compounded quarterly on the average daily balance
• Convenience of automatic weekly or monthly deposits
• Can be access by ATM or Debit Card
• Free Internet Banking

A $100.00 deposit to open account

Your Certificates of Deposit
You can choose the C.D. term that best fits your needs. Our C.D. terms range from 30 days to 3 years. We also offer special 1, 2 and 3 year Rate Riser Certificate of Deposits. A rate riser certificate of deposit allows you the customer to adjust the rate of the certificate during the term of the certificate.

Individual Retirement Accounts
You can design a business retirement plan with confidence knowing that your deposits are insured by the FDIC. You can choose from...

• Traditional IRA
• Roth IRA
• Simplified Employers Pension "SEP"
• Rollovers, transfers, contributions and distributions

Commercial Loan products

Loans

• Small Business Administration "SBA Loans"
• Business Start up
• Business Purchase or Expansion
• Equipment
• Letters of Credits
• Business VISA or MasterCard

Additional Choices

• MasterMoney Debit Card
• Automated Teller Machines "ATM"
• Internet Banking
• Internet Bill Pay Services
• Automatic transfers
• VISA/MasterCard Merchant Services
• Direct Deposit
• Money orders/certified checks
• 24-HourTelephone Banking
• Night Deposit
• Notary public
• Safe Deposit Boxes
• Wire Transfers