Audubon State Bank: Your Trusted Financial Partner in the Community

About Audubon State Bank

Established in 1880, Audubon State Bank has been serving the financial needs of the Audubon community and surrounding areas for over 140 years. As the oldest and largest locally owned bank in the region, we are committed to providing our customers with personalized and exceptional banking solutions.

With a team of experienced bankers and a wide range of products and services, we are dedicated to helping our customers achieve their financial goals. Whether you're looking to save for the future, finance a home, or grow your business, we have the expertise and resources to meet your needs.

Our Commitment to the Community

Audubon State Bank is more than just a bank; we are an integral part of the community. We believe in giving back and supporting the organizations and initiatives that make our home a better place to live.

• Sponsorship: We proudly sponsor local events, schools, and non-profit organizations, investing in the well-being and growth of our community.
• Volunteering: Our employees are actively involved in volunteering for various causes, making a difference in the lives of those around us.
• Charitable Giving: We believe in supporting organizations that make a positive impact on the community. Through donations and grants, we strive to create a lasting legacy for future generations.

Comprehensive Banking Services

At Audubon State Bank, we offer a full suite of banking products and services designed to meet the financial needs of individuals and businesses alike.

Personal Banking

• Checking and Savings Accounts: Earn competitive interest rates on your deposits while enjoying easy access to your funds.
• Certificates of Deposit (CDs): Lock in your interest rate for a fixed term to maximize your savings.
• Money Market Accounts: Combine the flexibility of a checking account with the earning potential of a savings account.
• Consumer Loans: Finance your car, boat, or personal expenses with flexible loan terms and competitive rates.
• Mortgages: Whether you're buying a new home or refinancing your existing one, we have loan options to suit your needs.

Business Banking

• Business Checking and Savings Accounts: Manage your business finances efficiently with tailored accounts that offer convenience and functionality.
• Business Loans: Access capital to fuel your business growth, expand operations, or finance new equipment.
• Commercial Real Estate Lending: Secure financing for your commercial property or mixed-use development.
• Merchant Services: Accept payments securely and conveniently with our state-of-the-art payment processing solutions.

Online and Mobile Banking

Enjoy the convenience of banking from anywhere, anytime with our secure online and mobile banking services.

• Online Banking: Manage your accounts, pay bills, and transfer funds with ease.
• Mobile Banking: Access your accounts, deposit checks, and make payments on the go.
• Mobile Check Deposit: Quickly and securely deposit checks using your mobile device.

Customer-Centric Approach

At Audubon State Bank, our customers are our priority. We are dedicated to providing exceptional customer service and personalized financial solutions.

• Personalized Service: Our bankers take the time to understand your needs and provide tailored advice to help you achieve your financial goals.
• Friendly and Knowledgeable Staff: Our team is approachable and always willing to assist you with any questions or concerns you may have.
• Convenient Locations: With multiple branches and ATMs conveniently located throughout the community, we make banking easy and accessible.

Financial Education and Resources

We believe in empowering our customers with financial knowledge and resources to make informed decisions about their finances.

• Financial Seminars: Host free financial seminars and workshops to educate the community on various financial topics.
• Online Resources: Provide access to a wealth of financial information and tools through our website and social media channels.
• Financial Counseling: Offer confidential financial counseling to individuals and families who need guidance with budgeting, debt management, and other financial challenges.

Safety and Security

The security of your personal and financial information is our utmost priority. We employ rigorous security measures to protect your data and safeguard your accounts.

• Encryption: We use advanced encryption technologies to secure your online banking and mobile transactions.
• Fraud Protection: We monitor your accounts for suspicious activity and provide real-time alerts to minimize the risk of fraud.
• Data Protection: We adhere to the highest industry standards for data privacy and protection, ensuring the confidentiality of your information.

Join the Audubon State Bank Family

If you're looking for a trusted financial partner who is committed to your success, look no further than Audubon State Bank. With our comprehensive banking services, personalized approach, and unwavering community support, we are the ideal banking solution for you.

Contact us today to learn more about our products and services and experience the difference that local banking can make.

Understanding Your Banking Options: A Comprehensive Guide

Introduction

Navigating the world of banking can be daunting, especially given the vast array of options available. This article aims to provide a comprehensive guide to the various banking products and services offered by Audubon State Bank, empowering you to make informed financial decisions.

Personal Banking Accounts

Personal banking accounts are essential for managing your day-to-day finances. They provide a secure place to store your money, make payments, and access funds when you need them.

Checking Accounts

• Features:
  • Convenient for everyday use
  • Allow you to make deposits, withdrawals, and write checks
  • May offer debit card access
• Benefits:
  • Easy access to your funds
  • Widely accepted for payments
  • Can earn interest on balances

Savings Accounts

• Features:
  • Designed for saving and earning interest
  • Allow you to make deposits and limited withdrawals
  • Typically have higher interest rates than checking accounts
• Benefits:
  • Encourage saving habits
  • Provide a return on your deposited funds
  • May offer additional benefits, such as ATM access or online banking

Money Market Accounts

• Features:
  • Combine features of checking and savings accounts
  • Allow you to make limited withdrawals while earning interest
  • Typically require a higher minimum balance than savings accounts
• Benefits:
  • Provide a higher level of liquidity than savings accounts
  • Offer competitive interest rates
  • May come with check-writing or debit card access

Certificates of Deposit (CDs)

CDs are a type of savings account that offers a fixed interest rate for a specified term. Once you invest in a CD, your funds are locked in for the duration of the term.

• Features:
  • Higher interest rates than traditional savings accounts
  • Fixed term lengths (e.g., 6 months, 1 year, 5 years)
  • May offer additional benefits, such as early withdrawal penalties
• Benefits:
  • Guaranteed return on your investment
  • Can help you reach your savings goals faster
  • May be a good option for short- to medium-term investments

Loans

Loans allow you to borrow money to finance major purchases or expenses. When you take out a loan, you agree to repay the borrowed amount plus interest over a specified period.

Consumer Loans

• Features:
  • Short- to medium-term loans
  • Used to finance various expenses, such as car purchases, home improvements, or medical bills
  • Typically have lower interest rates than credit cards
• Benefits:
  • Provide access to funds for immediate expenses
  • Can help you consolidate high-interest debt
  • May offer flexible repayment terms

Mortgages

• Features:
  • Long-term loans used to purchase or refinance a home
  • Secured by the property itself
  • Typically have fixed or adjustable interest rates
• Benefits:
  • Allow you to own a home
  • Can provide tax benefits, such as mortgage interest deduction
  • May offer equity-building opportunities

Business Banking Accounts

Business banking accounts are designed to meet the financial needs of businesses and organizations. They provide a convenient and secure way to manage business funds, process transactions, and access financial services.

Business Checking Accounts

• Features:
  • Allow you to make deposits, withdrawals, and write checks
  • May offer debit card or ACH access
  • Can help you track business income and expenses
• Benefits:
  • Provide a dedicated account for business transactions
  • Help you manage cash flow efficiently
  • Can streamline accounting and bookkeeping

Business Savings Accounts

• Features:
  • Designed for saving and earning interest
  • Allow you to make deposits and limited withdrawals
  • Typically have higher interest rates than business checking accounts
• Benefits:
  • Encourage saving for future business expenses
  • Provide a return on your deposited funds
  • May offer additional benefits, such as online banking or mobile check deposit

Business Loans

• Features:
  • Used to finance business operations, expansion, or equipment purchases
  • Can be short- to long-term loans
  • Typically require collateral or a personal guarantee
• Benefits:
  • Provide access to capital for business growth
  • Can help you meet immediate financial needs
  • May offer competitive interest rates

Online and Mobile Banking

Online and mobile banking services provide convenient and secure access to your accounts from anywhere, anytime. With just a few clicks or taps, you can manage your finances, pay bills, and deposit checks.

• Features:

  - Online banking: Access your accounts through a web browser