Personal Accounts & Services

Everything You Expect From a Bank
At Adams Dairy Bank we have the most complete array of banking services and the biggest ‘neighborly’ smile in banking. And when it comes to your personal banking needs, shouldn’t you be banking with a real person?

So come by and meet your banker and see what personal banking is all about.

Checking and Savings Accounts
We offer a full array of personal checking and savings accounts designed to fit your specific banking needs. Our accounts offer attractive interest rates, so please call or click for a switch kit today.

Money Market Accounts
Money Market Deposit Accounts afford you the opportunity to earn a higher rate of interest than our Statement Savings Account. Transfers are limited to 6 per statement cycle. The interest rate earned is determined by the balances maintained.

No Debit Card Fees
Adams Dairy Bank does not charge a fee for use of our debit card. Unlike other major banks, we believe debit card usage is a service to you. Free ATM and debit cards, free checking business accounts, free online bill pay, free, free, free. Did we say free?

At Adams Dairy Bank we work very hard to keep the cost of banking as low as possible. While other banks charge fees at every turn, we remain committed to delivering service without sacrifice.

Personal Credit Card
Adams Dairy Bank offers the right credit card for you, whether your preference is a low rate card or one with rewards options. All our credit cards are accepted worldwide at businesses, financial institutions and ATMs.

Certificates of Time Deposit
Adams Dairy Bank has a variety of rates and terms available to you. Select a term tailored to your investment needs from 3 months to 60 months.

ATM Access
We understand that having convenient access to your accounts around the clock is important to you.
With over 300 no charge ATMs located in eight states you can access your money anytime and anywhere. Locate an ATM

Lending Services*
Adams Dairy Bank offers convenient, affordable personal loans, home equity loans and lines of credit to fit just about any situation and budget. Our broad selection of products and services can help you achieve your financial goals.

Check Imaging
Check Imaging is a process where digital images of each check we process are captured and stored on disk. The images are then sorted, sized, and delivered to you in your monthly statement.

Check Imaging not only provides you with an easy, convenient way to store and organize your canceled checks, but allows us to provide you with faster and less expensive research services should you require copies of past statements or individual checks. You can make your request by calling us directly at 816.655.3333.

Check Imaging, provided with your monthly statement, is a free service provided by Adams Dairy Bank for all of our checking accounts.

Wire Transfers & Other Services
Adams Dairy Bank offers a full line of deposit related services including domestic and foreign wire transfers, direct deposit payroll, telephone transfers, automated clearing house (ACH) transactions, night depository, cashiers checks, and VISA gift cards.

Personal Checking Accounts

Free Checking

  • $100 Opening Deposit
  • No Minimum Balance
  • Unlimited Check Writing Privileges
  • Free ATM/Debit Card
  • Free Online Banking
  • Free Online Bill Pay

Fresh & Free Checking*

  • $100 Opening Deposit
  • No Minimum Balance
  • Unlimited Check Writing Privileges
  • Free Online Banking
  • Free Online Bill Pay
  • ATM or Debit Card Available after Six (6) Months of Satisfactory Account History

HSA Account

  • $5 Opening Deposit
  • $5 Minimum Balance
  • Unlimited Check Writing Privileges
  • Free Online Banking
  • Interest Bearing Account
  • Free ATM/Debit Card
  • Free Online banking
  • Free Online Bill Pay
  • Current Interest Rates

ADB Club Account

  • $500 Opening Deposit
  • $500 Minimum Balance ($5 charge if minimum balance is not maintained per month)
  • Interest Bearing Account
  • Unlimited Check Writing Privileges
  • Free ATM/Debit Card
  • Free Online Banking
  • Free Online Bill Pay

 

Savings & Money Market Accounts

Statement Savings**
(Personal and Business)

  • $100 Opening Deposit
  • $100 Minimum Balance ($3 charge if minimum balance is not maintained per quarter)
  • Interest Bearing Account
  • Free ATM Card Available
  • Quarterly Statements
  • $1 Charge for Each Withdrawal After Six (6) Per Quarter
  • Current Interest Rates

Cow Bank Savings**
(Under 18)

  • $5 Opening Deposit
  • $5 Minimum Balance ($3 charge if minimum balance is not maintained per quarter)
  • Interest Bearing Account
  • Quarterly Statements
  • $1 Charge for Each Withdrawal After Six (6) Per Quarter
  • Current Interest Rates

The  minor must have a parent or guardian as a joint signer.

Christmas Club Savings

  • $5 Opening Deposit
  • No Minimum Balance
  • Interest Bearing Account
  • Quarterly Statements
  • No Service Fees
  • Current Interest Rates

Money Market Account**
(Personal & Business)

  • $5,000 Opening Deposit
  • $5,000 Minimum Balance ($10 charge if minimum balance is not maintained per month)
  • Monthly Statements
  • $5 Charge for Each Withdrawal After Six (6) Per Month
  • Tiered Interest Rates

**Limited to six (6) withdraws from an account each statement cycle. This includes Automatic Clearing House, electronic or transfer withdrawals.

Free Image Statements with Every Account.

Additional Services

Certificates of Time Deposit***

  • $500 Minimum Deposit
  • Terms ranging from 3 months to 60 months
  • Interest rates based on opening deposit
  • 10-Day grace period upon maturity

Individual Retirement Account Certificates of Time Deposit***

  • $50 Minimum Deposit
  • Terms ranging from 3 months to 60 months
  • Tiered interest rates based on opening deposit
  • 10-Day grace period upon maturity
  • Current Interest Rates

*Some restrictions apply
**Limited to six (6) withdraws from an account each statement cycle. This includes Automated Clearing House, electronic or transfer withdrawals
***Penalty may be imposed for early withdrawal