Personal:

An excellent account to accumulate money for vacation, emergencies or larger investments. Interest is compounded semi-annually.
A maintenance fee is charged if your balance falls below $100. This is waived for young people under 14.
An ATM card can be attached to this account for easier withdrawals.

Christmas Club:

A great account to plan ahead for the holidays. This account earns interest and you receive a free gift when you open the account.
The amount you deposit is up to you. You will be given a coupon book to remind you of your deposit.
Checks are sent out in October giving you plenty of time to purchase the perfect gifts for friends and family.

A well-established safe method of receiving a higher rate of interest on money you do not need in the near future.
Certificates are available for 30 days to 5 years with the rate increasing in relation to the time and the amount of money invested.
Interest is paid quarterly or will compound. There is a penalty for money which is withdrawn early.

For owners of qualified high deductible health plans.
Why open a Byron Bank HSA? BEcause you'll have:
- Three-fold tax savings
- Flexibility
- No "Use it or lose it" as with cafeteria plans
- Ownership control
- Contribution options
Establishing a Byron Bank HSA will give you every opportunity for future savings on healthcare expenses. With premium savings and tax advantages, it is easy to see the money in your pocket.
An individual is eligible as long as they are:
- Covered by a qualified high deductible health plan
- Not covered by any other health plan
- Not enrolled in Medicare
- Not claimed as a dependent on another individual tax return
A Byron Bank HSA will allow you to make contributions with pre-tax dollars, take tax-free and penalty-free distributions for any qualified medical expsene, and the balance in your account will continue to grow with tax-free earnings.
You have ownership control of your Byron Bank HSA.

Save for your future and your retirement. A good account to save on income taxes.
Government rules set the maximum contribution depending on your income.
The Byron Bank offers IRA's as CD's, variable-rate IRA's and annuity IRA's.
We also have a passbook IRA account to hold roll-over funds if you are changing jobs. (Without penalty)

Through Byron Bank Financial Services we offer free financial and estate planning as well as the following investment opportunities:
Variable and indexed annuities, mutual funds, college savings plans, 529 plans, stocks, real estate investment trusts, group planning for your business and long term care insurance.