Banking
Accounts for people and businesses in Springfield, local loans and a fee schedule you can read in a minute.
Personal and business accounts
Open any account at a branch with photo ID and proof of address. Children’s accounts are opened with a parent or guardian.
Everyday checking
For wages, bills and your debit card. Pay at the counter, the drive-up or online.
To open 25.00 Monthly 0.00
Passbook savings
Savings with a printed passbook, updated at any counter in a few seconds.
To open 25.00 Monthly 0.00
Young savers
A first account for children under 16, opened with a parent or guardian.
To open 5.00 Monthly 0.00
Business checking
For sole traders, shops, trades and farms in the county.
To open 100.00 Monthly 8.00
Example prices.
Business banking from a branch desk
Shops, trades, farms and small firms bank with a named business manager at Oak Hill or Main Street, who also handles your lending.
- Business checking with paper or online statements
- Cash and coin paid in at any counter or the night safe
- Card payments for your shop through our partner (sample)
Moving your account to us
Four steps. We move your direct deposits and bills for you; the old account closes when everything has arrived.
Open the account
At any branch, with photo ID and proof of address.
Sign the switch form
List the payments in and out; we write to your old bank.
Payments move over
Usually within ten working days (sample). We tell you when each one has moved.
Close the old account
Once your wages and bills arrive here, we ask your old bank to close it.
Loans decided at the branch
A lender in Springfield reads every application and meets you before deciding. If we cannot help, we say so and explain why.
Home loans
Buying, building or improving a home in the county. Your lender visits the property with you.
Car and personal loans
A fixed monthly repayment that you see and agree before you sign anything.
Small business loans
Equipment, premises and cash flow for local firms, from a lender who knows the street.
Farm and equipment loans
Land, machinery and seasonal working capital, with repayments planned around the year.
Every loan is subject to an application and our lending checks. If a loan is secured on your home, your home may be at risk if you do not keep up the repayments.
Every fee, printed in full
No fee is added to your account without a line in this schedule. When a fee changes, we write to you sixty days before (sample).
| Code | Item | Fee |
|---|---|---|
| MNT | Monthly fee, everyday checking | 0.00 |
| MNT | Monthly fee, business checking | 8.00 |
| STM | Paper statement, each month | 2.00 |
| CRD | Replacement debit card | 5.00 |
| CCK | Cashier’s check | 6.00 |
| WIR | Outgoing wire, in the country | 20.00 |
| STP | Stop payment on a check | 15.00 |
Open an account at any branch
Bring photo ID and proof of your address. It takes about twenty minutes, and you leave with your card or passbook (sample).