Personal Checking

Checking Account Comparison

View Our Personal Checking Rates

Criteria
 Non Interest Super NOW † Go Green ††
Opening Balance $0 $2,500 $0
Minimum Balance $0 $2,500 average monthly $0
Interest Bearing   check mark check mark
Debit Mastercard check mark check mark check mark
Limit on number of checks you may write      
E-Statement check mark check mark check mark
Online Banking check mark check mark check mark
Online Bill Pay check mark check mark check mark
Monthly Service Charges  

$5 < $2,500

  
Fees may reduce earning on account   check mark  

Important Disclosures

All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principle in the account each day. Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal. The APY assumes interest will remain on deposit. A withdrawal will reduce earnings. Current rates will be posted in our lobby or can be obtained by calling 217-347-7173. Your interest rate and APY may change at our discretion.

† SUPER NOW CHECKING ACCOUNT: You must deposit $2,500.00 to open this account.  You will be charged a $5.00 monthly fee if your average balance falls below $2,500.00. Interest compounds daily and is credited on your monthly cycle date. Fees could reduce earnings.

†† GO GREEN CHECKING ACCOUNT : Minimum requirements: Must log in to online banking, receive eSTATEMENTS, and make at least 15 transactions of any combination of debit card purchases, bill payments, or preauthorized withdrawals per statement cycle. If the minimum requirements are met, balances between $0.01 and $25,000.00 will earn the top tier rate, balances over $25,000.00 will earn the second tier rate. If you do not meet the requirements per statement cycle, your account will earn .10% annual percentage yield. If the minimum requirements are met, we will refund up to $20.00 of ATM foreign fees and surcharges per statement cycle. Personal accounts only.