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A Health Savings Account allows you to pay for current health expenses and save for future qualified medical expenses on a tax-free basis.

As scheduled, the unlimited insurance coverage for noninterest-bearing transaction accounts provided under the Dodd-Frank Wall Street Reform and Consumer Protection Act expired on December 31, 2012. Deposits held in noninterest-bearing transaction accounts are now aggregated with any interest-bearing deposits the owner may hold in the same ownership category, and the combined total insured up to at least $250,000.

Exchange State Bank owned properties, also sometimes referred to as REO (real estate owned) homes or properties, are often seen by qualified borrowers as good investment and purchase opportunities.