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| PRODUCTS We pride ourselves on being your full service financial partner. What can we help you with today? Profinium Financial has many products to offer, all under one roof. Online Banking is here! Now from the
comfort of your home or office you can transfer funds, view current balances,
check what activity has occurred, and even import your account information
to Quicken and Microsoft Money. All of these services are available at
No Charge! If you choose, you can also enroll in our Bill Pay Service.
This allows you to pay bills through your personal computer, rather than
by writing and mailing checks. The bill payment service allows scheduling
of recurring payments and verification of past payments. A monthly fee
of $5.00 will be charged for the Bill Pay system, or free if used for at least 3 bill payments per month. To get started today,
click
here. For more information on this or any other product contact
us. Free is a word everyone understands. People have been known to drive twenty miles for a "free lunch", stand in long lines for a "free gift" or switch banks because they want to open a "free checking account". Free Checking is nothing new, it has been around for decades. In an effort to be responsive to customers needs, we are now offering a Free Checking Account. The features of the product are:
For more information on this or any other product contact us. Looney Tunes Kids Club Savings Account The Looney Tunes have arrived at Profinium Financial in
the form of the Kids Club Savings Account. This new program is a Looney
Tunes saving package available for kids and offers incentives to young
savers. Although the savings account will operate the same as our Merit
Savings account, it can be opened with as little as $25.00. When our savers
open their new savings account, they will receive Looney Tunes deposit
and withdrawal slips, a Looney Tunes vinyl cover and a savings stamp card.
Stamp cards will be stamped each time a deposit is made. When the card
is full (12 deposits), the saver can choose a prize from the “Treasure
Chest ”. This program is not just for our new accounts. Existing minor
savings account holders can join the “Club” as well. For more information
on this or any other product contact us. Our Preferred Checking account will provide you with monthly
statements showing all deposits, all checks paid and all other account
activity. A minimum of $100.00 is required to open the account. A $200
minimum balance is required to avoid a service charge. If the daily balance
of your account falls below $200 any day of the statement cycle, a service
charge of $5.00 will be imposed. You will receive a monthly statement
showing all activity, balances, beginning and ending balances. In addition,
you will receive images of checks paid in numeric order with the check
number and amount printed below the image. You may purchase the style
and type of checks you prefer and/or use our debit card with your account.
Senior Citizens, age 62 or older, have no monthly service charge fees
and receive regular specialty checks free. For more information on this
or any other product contact us. This account allows you to earn interest on your checking
account. A $500.00 minimum balance is required to avoid a service charge.
If the daily balance of your account drops below $500.00 any day of the
statement cycle, a service charge of $10 will be imposed. Interest is
compounded and paid monthly. You will receive a monthly statement showing
all activity, balances, beginning and ending balances. In addition, you
will receive images of checks paid in numeric order with the check number
and amount printed below the image. You may purchase the style and type
of checks you prefer and/or use our debit card with your account. For
more information on this or any other product contact
us.
Merit savings allows you to earn daily interest on your
money. The interest rate earned will depend on the balance of the account.
A $100.00 minimum deposit is required to open the account and you will
receive statements quarterly, unless you have an electronic transaction(s)
then you will receive a monthly statement. Maintaining an average balance
of $200.00 will waive the $2.00 monthly service charge. Use our online
financial calculators to help you with savings & retirement planning.
For more information on this or any other product contact
us. This savings account is perfect for the large depositor. A $25,000.00 is required to open this account. Competive interest rates are tiered on balances up to $25,000, up to $100,000, up to $250,000 and on balances $250,000 and over. Interest is compounded and paid quarterly. You will receive a quarterly statement unless you have an electronic transactions(s) then you will receive a monthly statement. Maintaining an average of $200 or more will waive the 2.00 monthly service charge. Use our online financial calculators to help you with savings and retirement planning. For more information on this or any other product contact
us. Why take chances, CDs are among the very safest investments
you can make. There are several terms you may choose from. Interest is
compounded quarterly on CDs with terms 1 year and over. A $500.00 minimum
deposit is required to open a CD. Click here
to see our tiers & rates . Use our online financial calculators to help
you with savings & retirement planning. For more information on this or
any other product contact us. Individual Retirement Accounts Planning for the future with a Retirement Account is made
easy with our qualified staff. There are no annual maintenance fees and
they are now insured by the FDIC up to $250,000.00. Use our online financial
calculators to help you with savings & retirement planning. For more information
on this or any other product contact us.
Ready Reserve is "overdraft protection". Advances are in
$200.00 increments with monthly payments charged to your checking account
on your statement cycle. You may prepay in full without penalty. Contact
us for more details on this or any other service. There is a $25.00
annual fee for qualified applicants. Telephone Banking is our 24-hour telephone banking customer service
line. Simply call 235-3362 from the Fairmont Area, 776-2906 from the Truman
area or, if you are out of the local areas, 1-888-807-8123, 24-hours a
day/seven days a week. Use Telephone Banking to transfer funds, get account
information or make loan payments. You may obtain information on your
checking, savings, certificate of deposit or loan accounts. Call Telephone Banking from your home, office or while you are away on vacation. Contact
us for more details on this or any other service. All qualified accounts are insured up to $100,000 by FDIC.
It is important to know that Individual Retirement Accounts are insured
separately up to $250,000 per depositor, regardless of any other accounts
you may have with us. Contact us for more
details on this or any other service. There are five sizes to choose from to keep your valuables
and legal papers safe. Contact us for more
details on this or any other service. At Profinium Financial, we offer Mastercard or VISA credit
cards with no annual fee (if you make at least one purchase per year).
Applications are available at Profinium Financial. Contact
us for more details on this or any other service. We are now offering our qualified business accounts a Free
Visa Business Instant Cash&Check Card. The card allows you to buy
whatever you need for your business without using cash or that bulky business
checkbook. You will have access to your account 24 hours a day, seven
days a week. In addition to the added convenience, the Visa Business Instant
Cash&Check card offers: You will enjoy 24-hour banking with the Cirrus Network of Instant Cash Machines, seven days a week, with your Instant Cash & Check Card or Instant Cash Card. With your Instant Cash & Check Card you can make purchases from your checking account without writing a check! Instant Cash & Check gives you all the convenience of ATM access and all the buying power of a checkbook in one versatile card. Your Instant Cash & Check Card looks like a credit card but works like a check and is accepted wherever Visa debit cards are accepted. With your Instant Cash Card you may make withdrawals up to $200.00 of your available balance any time of the day, any day of the week. You'll be able to use your Instant Cash Card worldwide. For additional information call Profinium Financial - Fairmont Location at (507)235-5538, Profinium Financial - Truman Location at (507)776-231, Profinium Financial - Owatonna Location at (507)444-0111or e-mail us at bank@profinium.com. To report a lost or stolen card after regular business hours, please call 800-535-8440 or 612-316-1484 for foreign calls. To locate an ATM near you log on to the following website: www.instant-cash.com The Perfect Prepaid Card for Every Occasion! The DeluxeCardTM Visa® prepaid card is a quick purchase for you, and ideal for anyone on your gift list. It's welcomed worldwide at more than 19 million merchants that accept Visa debit cards, and can be used to make purchases online, by phone or in person. DeluxeCard prepaid cards come in a variety of designs that are perfect for any occasion. There's even an everyday card that's secure for travel and convenient for smart budgeting. How does it work? A DeluxeCard prepaid card looks like a credit card. The front of the card displays the name of the purchaser or gift recipient, the Visa Brand logo, an individual account number and an expiration date. The back includes a magnetic strip. Unlike a credit card, however, the DeluxeCard prepaid card may only be used for the amount loaded on the card. Purchasers or gift recipients can use the card as many times as they like for a full year, up to the amount stored on the card. As the card is used, the amount of each purchase is automatically deducted from the card's available balance. If the card is lost or stolen with a balance remaining, the user can cancel the card and order a replacement for a nominal fee. How much does it cost? DeluxeCard prepaid cards can be purchased in dollar amounts from $25 to $500. In addition, there is a processing fee of $5.95 for dollar amounts from $25 to $250, and $7.95 for dollar amounts from $251 to $500
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