Personal Banking

Personal Banking

Paragon Bank offers a variety of services to meet our customer’s needs.  We understand that our customers have very busy lives, and our friendly staff is committed to making your banking experience convenient and efficient.  At Paragon Bank, the success of our customers and community is our success. 

The following features are available on personal checking accounts at Paragon Bank, unless otherwise stated.  Some may require application and/or approval:

            - FDIC Insurance

            - Shazam Check Card

            - No Fee ATM at 4 locations

            - Overdraft Protection

            - Phone-Bank Service

            - Monthly Statement

            - Internet Banking



Checking Accounts


Classic I Account

  • Cost-effective, non-interest account which requires no minimum balance
  • No base service charge per month
  • The first box of Classic checks are free (excluding shipping)
  • Check images are not returned with statements


Classic II Account

  • Similar features to Classic I Account, except images are returned with statements
  • Check images incur a $5.00 monthly fee


Advantage I Account

  • No monthly service charge if account maintains $300.00 average daily balance
  • Tiered Interest is paid on average daily balance; the rate increases as the balance increases
  • Interest is credited monthly
  • Check images are returned with statements
  • A base service charge of $7.50 plus loss of interest will be assessed if below minimum


 Advantage II Account

  • No monthly service charge if $1,000.00 average daily balance is maintained
  • Interest bearing account with tiered rate feature
  • Transactions are limited to six debts per statement
  • Shazam Check Card is unavailable with this account
  • Check images are returned with statements
  • A base service charge of $7.50 plus loss of interest will be assessed if below minimum


Advantage III Account

  • Similar features to Advantage II Account, but requires $10,000.00 average daily balance

Ready Reserve Line of Credit

  • Attached to your checking account, serving as an overdraft protection plan


Savings Accounts


Statement Savings

  • Ideal for the “regular saver”
  • Tiered interest feature increases as the balance increases
  • Minimum balance is $50.00; if minimum amount is not maintained a $5.00 base service charge is assessed
  • Savings account is FDIC insured

Opportunity Savings

  • Ideal for those who are saving for a purpose… be it Christmas, a vacation or any special purchase!
  • No minimum balance required
  • Annual distribution of funds based on the date that you select
  • Savings account is FDIC insured

Certificates of Deposit

  • Various term options for CDs so you can choose what works best for you!
  • Minimum deposit of $1,000.00 is required
  • Deposits are subject to penalty for early withdrawal before maturity
  • Certificates of Deposit are FDIC insured

Individual Retirement Accounts

  • Options include the Traditional IRA and Roth IRA
  • Various maturities are available
  • Deposits are FDIC insured




The loan specialists at Paragon Bank look forward to working with you to make your dreams a reality. Consumer loan applications are available under the Personal Banking tab so that you can complete your application when it is convenient for you.  Once completed, please bring your application to Paragon Bank where all loan decisions are made locally by our Loan Officers.  We look forward to working with you to find the right fit for your personal loan needs.  Call, email or stop in and visit with us today!


  • Vehicle, boat and motorcycle loans
  • Personal loans
  • Ready Reserve


  • Operating Loans and Revolving Line of Credit
  • Equipment Loans
  • Crop & Input Loans
  • Letter of Credit

Real Estate

  • Residential Home Loans
  • Home Equity Line of Credit
  • Commercial Loans
  • Agricultural Loans



Additional Services

Paragon Bank is pleased to offer our customers a wide variety of additional services, which include but are not limited to:

  • Cashier’s Checks
  • Check Cashing
  • Night Depository
  • Safety Deposit Box
  • Notary
  • Copies
  • Shazam Check Card
  • Wire Transfers
  • Credit Cards
  • Gift Cards
  • Phone Bank
  • Laminating



Mainstreeters Club

A great way to meet and share experiences with long time acquaintances and to meet new friends!

  • Available for customers who are 55 years old or better
  • Minimum balance of $1,500.00 in one or a combination of deposit accounts at Paragon Bank is required
  • Direct Deposit of Social Security, Pension and Retirement checks
  • No monthly service charge on Mainstreeters checking account
  • Periodic newsletter and travel opportunities
  • Services provided at NO cost include:  cashier’s checks, notary, copying, Shazam Check card and free Mainstreeter checks (two box limit per order)



Service Quality Guarantee

Paragon Bank is YOUR bank.  We value your opinions and concerns, and welcome the opportunity to improve your banking experience.  If Paragon Bank has made an error, we will cheerfully correct the error and refund any and all resulting charges.  Please do not hesitate to contact us with any questions or if there is a way that we could improve or change our services to better accommodate your needs.