Tradition, fiscal soundness and strength; yet innovative, responsive service are Armed Forces hallmarks. Armed Forces Bank is an affiliate of the Dickinson Financial Corporation, Kansas City, Missouri, an organization which has achieved superior financial growth over the past two decades and today has over $1 billion in assets. Headquartered at Fort Leavenworth, Armed Forces received its banking charter in 1907 and is the first privately owned financial institution to be located on a military installation. Armed Forces, with assets of over $250 million and with branches at Forts Knox, Carson, Leonard Wood, and Myer, proudly and effectively serves service members and their families worldwide. Today, over 48,000 Armed Forces "family members" are to be found in all 50 states, in foreign countries, and on many U.S. Navy ships.

Armed Forces offers full banking services on Fort Leavenworth and has two full service branches in Leavenworth. The Bank's operations center is located in downtown Leavenworth and provides operational and customer service support to all of the Bank's facilities, including those located on other installations. Armed Forces is staffed with caring professionals including a significant number of retired military and military dependents who clearly understand and appreciate the unique requirements of the military family.

Throughout Army National's years of service, the Bank's focus remains the same--to be the premier provider of financial services for its family members. Much of Army National's success can be attributed to the "personal service" its customers enjoy and the Bank's ability to provide this service wherever they are stationed. True to its motto, "Your Hometown Bank Around The World," customers can bank with Armed Forces by phone, mail, Automated Teller Machines (ATMs) and with TELEBANC. As a result, Armed Forces customers find it easy to continue their account relationship with the Bank as they transfer from one assignment to the next and particularly overseas.

Demand Deposit Account

Our Demand Deposit Account is designed to meet your basic checking account needs with unlimited check writing and no per check charges. There is no monthly service charge with a minimum balance of $500.00 or an average balance of $1,500.00. Should the balance fall below the minimum and/or average balance during the statement cycle, a maintenance fee is applied. Enjoy free and unlimited ATM usage at any ANB machine. Free POS access where available.

Paymaster Account

Our Paymaster account is a low-cost account offering an affordable method of banking. The account features no minimum balance requirement with a standard maintenance fee of $2.00 per statement cycle plus $.25 per debit. Free ATM usage at any ANB machine. Free POS access where available.

Command Deposit Account

Our Command Deposit Account earns a competitive interest rate and offers all the benefits of a full service checking account. Unlimited check writing and free ATM usage at ANB machines. Free POS access where available.

Gold Plus Account

Our Gold Plus Account is an interest bearing account offering a variety of services and discounts for a modest monthly fee.

Money Market Account

Our Money Market Account is a tiered rate account that pays higher interest with higher balances. Interest is based on current market rates, adjusted weekly, and paid monthly. A $1,000.00 minimum balance is required to open the account. Six automatic transfers per statement cycle are allowed; no more than three may be third party checks. Free ATM usage at ANB machines. Free POS where available.

Classic Account

Our Classic Account is a checking account with exclusive benefits for customers who are 62 years or older and have direct deposit. The account offers unlimited check writing, free corporate image checks, free ATM usage at ANB machines, free POS where available, and is service charge free. There is no minimum balance requirement. Interest is earned on higher balances. In addition, cashier's checks, money orders and travelers checks are provided without charge. Free photocopying and notary service. Direct deposit is required.

Student Checking Account

Our Student Checking Account is a low cost account designed for young adults enrolled in school. For a $1.00 monthly fee, this account offers the student unlimited check writing without a minimum balance requirement. ATM access is also available.

Overdraft Assistance

Running out of money before the next pay day? If you call us, we may be able to help by paying your overdrafts! Armed Forces will usually pay overdrafts up to one half of your direct deposit. Paying overdrafts eliminates the additional cost to you of paying a return check fee normally charged by a business (which can run as high as $30.00) and, specifically, allows you to retain your check cashing options.

Regular Savings Account

Our Regular Savings Account pays interest quarterly, is service charge free with a balance of $100.00 or more, and allows three withdrawals monthly at no charge. ATM access is available.

Cannon Club Savings Account

Our Cannon Club is a savings account for customers under the age of 18. This account does not have a minimum balance requirement to earn interest. As long as the monthly withdrawals are limited to three per month, the account is service charge free. Interest is paid quarterly; February, May, August and November. The Cannon Club Account serves as a dynamic and successful means of teaching and encouraging children and teens to save by watching their balances grow!

Christmas Club Account

Our Christmas Club Account offers customers an easy way to save for those Holiday expenses. The account may be opened at any time during the year. Twice a month, funds are automatically transferred from a checking or savings account into the Club account and interest is paid at the savings account rate upon maturity (October 25th). The minimum deposit to open the account is $10.00 and you may determine the amount of the transfer which will remain constant throughout the year. Funds must remain in the account until maturity to receive the accrued interest and partial withdrawals are not allowed.

Certificates of Deposit

We offer a variety of Certificates of Deposit with a minimum deposit of $500.00 and terms ranging from 91 days to 10 years. If you are looking for competetive rates, our certificates are an investment option you'll want to consider. Call or e-mail us for current rates.

We offer these services to accomodate specialized banking needs:

Bank to Bank Wire Transfers (may be executed via telephone)

Western Union Wires

Safe Deposit Boxes

Cashier's Checks

Money Orders

Traveler's Checks

Notary

Signature Guarantee

Treasury Securities

Loan Programs

In an era of increasingly frequent, short-notice assignments changes, Army National's long-standing and responsive "banking by phone" service takes on added significance for busy soldiers and their families. With a current credit application on file, many Armed Forces customers have their loan requests telephonically honored wherever they may be stationed.

1. Consumer Loans

Armed Forces offers a broad range of consumer loans, secured and unsecured, tailored specifically for service members and families which can be used to purchase automobiles, boats, home computers, recreational vehicles, and miscellaneous chattel property.

2. Automobile Loans

Armed Forces, offering rates and terms which are very competetive with local and national institutions, processes loan requests quickly by telephone, usually, within 24 hours. The Bank places no geographic restrictions on vehicles which are collateral for loans. Customers may take their vehicles wherever they are transferred, including overseas.

3. Real Estate Loans

Armed Forces offers a unique mortgage loan program. This program is designed to give the soldier an opportunity to become a homeowner regardless of CONUS duty station location. The uniqueness of the program stems from the Bank's ability to originate loans in all 50 states. Highlights of this very successful program are:

Veterans Administration "Automatic" underwriting and approval designation is granted in all 50 states, thereby allowing the Bank to originate VA loans for purchase or refinance in all states. This is significant when it is recognized that very few financial institutions offer mortgages in all 50 states.

Both fixed and adjustable rate mortgages are guaranteed through the Veterans Administration. No down payment is required.

Conventional loan programs for a variety of mortgage loan situations include fixed rates, adjustable rates, and balloon mortgages. A minimum down payment is required on conventional loans.

Professional mortgage lending advice and personal service are available worldwide through toll free telephone lines. Military mortgage lending is provided by a staff which is committed to reducing the financial pressures soldiers may experience with home ownership.

Special situation mortgage loans for those soldiers who need nonowner occupied financing, jumbo loans, refinancing, or unique mortgage loan terms.

We offer the following student loans: Subsidized and Unsubsidized Federal Stafford Student Loans and the Federal Parent Loan for Students (PLUS).

Overdraft Protection

We offer an overdraft protection plan known as "Ready Reserve." This loan plan provides a convenient and economical means of borrowing money for overdraft protection, emergencies, and "special" purchases. Credit lines ranging from $500.00 to $2000.00 are available to qualified customers.

Automated Teller Machines

We have four conveniently located automated teller machines (ATMs). Two ATMs are located on Fort Leavenworth at the Main Facility and in Bell Hall near student classrooms. Two ATMs are located in Leavenworth. The Metropolitan Branch, close to the Fort's main entrance, offers a walk-up ATM and the Fourth Street Branch features a drive-up ATM. For added security, we provide a "Demo-mate" machine which allows you to select, on the spot, a personal identification number (PIN) of your choice.

As an Armed Forces Bank customer, you will have worldwide access to your accounts through these networks: AFFN, PLUS/VISA, CIRRUS/MASTERCARD, DISCOVER, AMERICAN EXPRESS, CASH STATION, AND EXCHANGE.

You can access your account information 24 hours a day, 7 days a week, wherever stationed within the U.S. by calling 1-800-808-ARMY(2769). Our Telebanc 24 allows you to review your current account balances, check your last deposit, find out about the most recent activity, see if checks have cleared and what interest has been earned on the account, transfer funds between accounts, make loan payments, fax a statement, check current deposit and loan rates and much more!

Toll-Free Customer Service Number

We have a nationwide customer service number 1-800-755-ARMY(2769).

Discount Brokerage Services

We offer a discount brokerage service through affiliation with PrimeVest Brokerage, Incorporated. PrimeVest is a member of the National Association of Securities Dealers and is a licensed broker-dealer throughout the country. These services are insured up to $500,000.00 by the Securities Investors Protection Corporation. You can typically save up to 70% of the usually quoted transaction fees by using this service. As an added convenience, you may call toll-free 1-800-233-5869.

Bill Payer Service

To accomodate those customers who travel frequently, we offer a service to pay monthly recurring bills. At the customer's request, the bank directly debits one's account, as specified, and forwards the payment in the form of a cashier's check to the billing agency. Customers use this service to pay rent, and make mortgage, car, and card payments. For many soldiers, our bill payer service is a convenient and reliable way to pay their monthly obligations.

Utility Support Club

A major problem faced by many families relocating to Fort Leavenworth is generating enough cash to pay for deposits required by the utility companies. Responding to this issue, Armed Forces structured an agreement with Kansas Power and Light Company and the Leavenworth Water Department which enables families to join Army National's "Utility Support Club" and thus be relieved of utility deposits. To become a "Club" member, you open and maintain either a savings or checking account with a $100.00 minimum balance and pay a onetime $25.00 maintenance fee. Thereafter, Armed Forces guarantees payment to the utility company(s) for any loss or expense incurred by the "Club" member's failure to pay.

AFCOM Communications Card

We offer a long distance calling card featuring worldwide service, voice mail, fax mail, speed dial, and a significant savings in long distance charges when compared with other major networks.

International Student Services

Meeting the needs of international students attending Army branch schools and the Command and General Staff College is part of Army National's ongoing commitment to service. The Bank offers international students a complete range of financial services. For those students wishing to open a U.S. bank account, Armed Forces provides specially trained personnel to ensure that officers and family members understand the complete process. International students also may apply for an Armed Forces Bank credit card.

Foreign Currency Services

To accommodate the needs of international students and customers traveling abroad, Armed Forces offers Deutsche Mark and British Pound traveler's checks as well as a foreign currency exchange service.