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Our hometown banking atmosphere offers you the personal attention you deserve. We will serve you as an individual without treating you as just another account number. Each of our checking accounts listed below comes with monthly statements

Personal Checking Account

  • No minimum balance
  • No monthly service charge
  • Unlimited check writing
  • Overdraft protection automatic transfer from passbook savings
    (limited to six per statement cycle)
  • Debit/ATM card (available to qualified applicants)

Business Checking

  • No minimum balance
  • Low monthly service charge
  • Small service charge per debit
  • Earnings credit received to offset service charge fee

Super NOW Checking Account

  • Debit / ATM card (available to qualified applicants)
  • Minimum daily balance of $1,000.00 to avoid service charge
  • Interest paid monthly
  • Minimum opening deposit of $1,000.00


Passbook Savings

  • Interest paid quarterly
  • Minimum balance of $50.00
  • Minimum balance for youth: $10.00
  • $5.00 service charge if average quarterly balance falls below $50.00, for youth below $10.00
  • Automatic transfers limited to six per statement cycle

Money Market Fund

A Money Market Fund account is a tiered, interest bearing account that enables you to invest your money and have access to it at any time.

  • Minimum deposit of $1,000.00
  • Interest paid monthly
  • $10.00 service charge if balance falls below $1,000.00
  • Limited withdrawals

Certificates of Deposit

Certificates of Deposit are an excellent way to invest your money at Adrian State Bank. Investing your money for the future is important when you are saving to buy a home, college education, or retirement.


We offer a variety of terms to meet your needs:
3 Month Minimum $500.00
6 Month Minimum $500.00
12 Month Minimum $500.00
15 Month Minimum $500.00
18 Month Minimum $500.00
24 Month Minimum $500.00
30 Month Minimum $500.00
36 Month Minimum $1,000.00
48 Month Minimum $1,000.00
60 Month Minimum $1,000.00

Please contact us for our current rates at (507) 483-2447.

Individual Retirement Accounts

At Adrian State Bank we offer different types of IRAs. Discover new and better ways to save for your future with Traditional, Roth, Educational, Simple and SEP IRAs. An IRA is a savings plan that lets you prepare for retirement. Your contributions may be tax deductible.

Traditional IRA

The Traditional IRA is an account that allows you to defer taxes on your contributions until they are withdrawn. Also, certain contributions are tax deductible in the tax year for which they are made.

Roth IRA

The Roth IRA allows only nondeductible contributions and features tax-free earnings after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, if you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth IRA than from a Traditional IRA.

Retirement Plans

If you are self-employed or employed by a business, there are plans available for retirement investments with tax savings:

  • SEP - Self-Employed Retirement Plans
  • SIMPLE - Small Business Retirement Plans

Merchant Processing

We can service your needs for debit or credit card transactions using either terminals or a touch tone phone for authorizations.


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