PRODUCTS

We pride ourselves on being your full service financial partner. What can we help you with today? Profinium Financial has many products to offer, all under one roof.

Online Banking

Online Banking is here! Now from the comfort of your home or office you can transfer funds, view current balances, check what activity has occurred, and even import your account information to Quicken and Microsoft Money. All of these services are available at No Charge! If you choose, you can also enroll in our Bill Pay Service. This allows you to pay bills through your personal computer, rather than by writing and mailing checks.  The bill payment service allows scheduling of recurring payments and verification of past payments. A monthly fee of $5.00 will be charged for the Bill Pay system, or free if used for at least 3 bill payments per month. To get started today, click here. For more information on this or any other product contact us.
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Free Checking

Free is a word everyone understands. People have been known to drive twenty miles for a "free lunch", stand in long lines for a "free gift" or switch banks because they want to open a "free checking account". Free Checking is nothing new, it has been around for decades. In an effort to be responsive to customers needs, we are now offering a Free Checking Account. The features of the product are:

• No minimum balance required
• Check safekeeping (images are not returned)
• Unlimited check writing privileges
• Overdraft protection, if qualified for $25.00 annual fee

For more information on this or any other product contact us.

Reorder checks from Deluxe

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Looney Tunes Kids Club Savings Account

The Looney Tunes have arrived at Profinium Financial in the form of the Kids Club Savings Account. This program is a Looney Tunes saving package available for kids and offers incentives to young savers. Although the savings account will operate the same as our Merit Savings account, it can be opened with as little as $25.00. When our savers open their new savings account, they will receive Looney Tunes deposit and withdrawal slips, a Looney Tunes vinyl cover and a savings stamp card. Stamp cards will be stamped each time a deposit is made. When the card is full (12 deposits), the saver can choose a prize from the “Treasure Chest ”. This program is not just for our new accounts. Existing minor savings account holders can join the “Club” as well. For more information on this or any other product contact us.
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Preferred Checking Account

Our Preferred Checking account will provide you with monthly statements showing all deposits, all checks paid and all other account activity. A minimum of $100.00 is required to open the account. A $200 minimum balance is required to avoid a service charge. If the daily balance of your account falls below $200 any day of the statement cycle, a service charge of $5.00 will be imposed. You will receive a monthly statement showing all activity, balances, beginning and ending balances. In addition, you will receive images of checks paid in numeric order with the check number and amount printed below the image. You may purchase the style and type of checks you prefer and/or use our debit card with your account. For more information on this or any other product contact us.
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Portfolio Checking Account

This account allows you to earn interest on your checking account. A $500 deposit is required to open the account. If the daily balance of your account drops below $500.00 any day of the statement cycle, a service charge of $10 will be imposed. Interest is compounded and paid monthly. You will receive a monthly statement showing all activity, balances, beginning and ending balances. In addition, you will receive images of checks paid in numeric order with the check number and amount printed below the image. You may purchase the style and type of checks you prefer and/or use our debit card with your account. For more information on this or any other product contact us.
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Merit Savings

Merit savings allows you to earn daily interest on your money. The interest rate earned will depend on the balance of the account. A $100.00 minimum deposit is required to open the account and you will receive statements quarterly, unless you have an electronic transaction(s) then you will receive a monthly statement. Maintaining a monthly average balance of $200.00 will waive the $2.00 monthly service charge. Use our online financial calculators to help you with savings & retirement planning. For more information on this or any other product contact us.
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Liquid Investment Savings Account (LISA)

If saving money is in the picture for you, now you can own a LISA (pardon the pun). It’s the Liquid Investment Savings Account (LISA) that has everything an investor wants: earns high rates with a low minimum balance ($5000), and you can get at your money whenever you need it. No transaction fees and it’s FDIC insured. This savings account is truly a work of art! For more information on this or any other product contact us.
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Nest Egg Savings Plan

Having trouble saving for your retirement or a college savings fund? Once you start the Nest Egg Savings Plan, you’ll have peace of mind knowing that you are making progress every month towards a goal. Nationally, families are saving less than they ever have in the past. We believe that people want to save, but just haven’t taken the time to set up an effective savings system. That’s why Profinium developed the Nest Egg Savings Plan. Simply select an amount that you can transfer from your checking to your savings account on a monthly basis, whether it is $25 a month or up to whatever you feel comfortable with. Saving money is more important than ever for your financial future. For more information on this or any other product contact us.
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Certificates of Deposit

Why take chances, CDs are among the very safest investments you can make. There are several terms you may choose from. Interest is compounded quarterly on CDs with terms 1 year and over. A $500.00 minimum deposit is required to open a CD. Click here to see our tiers & rates . Use our online financial calculators to help you with savings & retirement planning. For more information on this or any other product contact us.
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Individual Retirement Accounts

Planning for the future with a Retirement Account is made easy with our qualified staff. There are no annual maintenance fees and they are now insured by the FDIC up to $250,000.00. Use our online financial calculators to help you with savings & retirement planning. For more information on this or any other product contact us.
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SERVICES

Ready Reserve

Ready Reserve is "overdraft protection". Advances are in $200.00 increments with monthly payments charged to your checking account on your statement cycle. You may prepay in full without penalty. Contact us for more details on this or any other service. There is a $25.00 annual fee for qualified applicants.
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Telephone Banking

Telephone Banking is our 24-hour telephone banking customer service line. Simply call 235-3362 from the Fairmont Area, 776-2906 from the Truman area or, if you are out of the local areas, 1-888-807-8123, 24-hours a day/seven days a week. Use Telephone Banking to transfer funds, get account information or make loan payments. You may obtain information on your checking, savings, certificate of deposit or loan accounts. Call Telephone Banking from your home, office or while you are away on vacation. Contact us for more details on this or any other service.
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Deposit Insurance

The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

Profinium Financial is participating in the FDIC’s Transaction Account Guaranteed Program. Under that program, through December 31, 2009, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. Contact us for more details on this or any other service.
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Safe Deposit Boxes

There are many sizes to choose from to keep your valuables and legal papers safe. Contact us for more details on this or any other service.
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Visa or Mastercard

At Profinium Financial, we offer Mastercard or VISA credit cards with no annual fee (if you make at least one purchase per year). Applications are available at Profinium Financial. Contact us for more details on this or any other service.
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Visa Business Check Card

We are now offering our qualified business accounts a Free Visa Business Instant Cash&Check Card. The card allows you to buy whatever you need for your business without using cash or that bulky business checkbook. You will have access to your account 24 hours a day, seven days a week. In addition to the added convenience, the Visa Business Instant Cash&Check card offers:
* Visa Extras Program – Points rewarded for card usage.
* Partner Advantage – Discounts offered at participating merchants when using VB Check Cards.
* Visa Liability Waiver Program – Visa sponsored program providing additional coverage for misused cards.
Please contact any Personal Banker to apply for your own Visa Business Check Card today!
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Bank Card Services

You will enjoy 24-hour banking with the Cirrus Network of Instant Cash Machines, seven days a week, with your Instant Cash & Check Card or Instant Cash Card. With your Instant Cash & Check Card you can make purchases from your checking account without writing a check! Instant Cash & Check gives you all the convenience of ATM access and all the buying power of a checkbook in one versatile card. Your Instant Cash & Check Card looks like a credit card but works like a check and is accepted wherever Visa debit cards are accepted. With your Instant Cash Card you may make withdrawals up to $200.00 of your available balance any time of the day, any day of the week. You'll be able to use your Instant Cash Card worldwide. For additional information call Profinium Financial - Fairmont Location at (507)235-5538, Profinium Financial - Truman Location at (507)776-2311, Profinium Financial - Owatonna Location at (507)444-0111or e-mail us at bank@profinium.com.

To report a lost or stolen card after regular business hours, please call 800-535-8440 or 612-316-1484 for foreign calls.

To locate an ATM near you log on to the following website: www.instant-cash.com

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Platinum Check Card

You have all the convenience of ATM access and all the buying power of a checkbook in one versatile card. Use your Platinum Check card anywhere a Visa Debit Card is accepted.
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PrePaid Gift Card

The Perfect Prepaid Card for Every Occasion!

The DeluxeCardTM Visa® prepaid card is a quick purchase for you, and ideal for anyone on your gift list. It's welcomed worldwide at more than 19 million merchants that accept Visa debit cards, and can be used to make purchases online, by phone or in person. DeluxeCard prepaid cards come in a variety of designs that are perfect for any occasion. There's even an everyday card that's secure for travel and convenient for smart budgeting.

How does it work? A DeluxeCard prepaid card looks like a credit card. The front of the card displays an individual account number and an expiration date. The back includes a magnetic strip. Unlike a credit card, however, the DeluxeCard prepaid card may only be used for the amount loaded on the card. Prepaid gift cards can be purchased at any bank location in amounts of $20.00 up to $750.00 for only $4.95.

Purchasers or gift recipients can use the card as many times as they like for a full year, up to the amount stored on the card. As the card is used, the amount of each purchase is automatically deducted from the card's available balance. If the card is lost or stolen with a balance remaining, the user can cancel the card and order a replacement for a nominal fee.

DeluxeCard prepaid cards can also be purchased online at www.Deluxe-Card.com in dollar amounts from $25 to $500. In addition, there is a processing fee of $5.95 for dollar amounts from $25 to $250, and $7.95 for dollar amounts from $251 to $500

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