A joyful mother with a young boy on her lap as she is making a mobile check deposit.

Everyone uses their checking account differently.

That is why we have three options to meet your needs.

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Free Checking

 Now Checking

Prime Rewards

Ideal if You:
Want a simple, free checking account without all the bells and whistles.
Keep a higher balance, want to earn interest, but do not use ATMs or debit cards frequently. Want to earn interest, and you use your debit card and visit ATMs regularly. 
Benefits Unique to This Account:

Unlimited checking with no monthly fees and no surprise hidden charges. Free really means free!

Earns interest with no monthly fees as long as your balance stays above $1,000

Earns Interest & Refunds ATM fees*
Minimum to Open:
Refund ATM Fees No No Yes*

APY* Earned


0.15% APY

  • Earn 3.0% APY on account balances $1.00 - $10,000.
  • Earn 0.31% APY on additional balances OVER $10,000.
  • Earn .10% APY on all balances if qualifiers are not met
Online Banking
Online Bill Pay
Mobile Banking
Direct Deposit
Telephone Banking
Debit Card Available
Overdraft Protection 
Available with savings. Free to add to account. $5 each use.
Available with savings. Free to add to account. $5 each use. Available with savings. Free to add to account. $5 each use.
Check Writing Unlimited Unlimited Unlimited

To Qualify:

Minimum Age 
16  16
Keep balance over $1,000
Per Monthly Cycle:
  • Have at least 10 debit card transactions post and settle (Excludes ATM transactions)
  • Receive e-Statements
  • Access Online Banking at least one time per qualification cycle 

More Links
piggy bank savings and CD"S icon debit card Mobile phone with dollar sign on screen checkbook with pen icon A location pin with a dollar sign
Savings Accounts
Instant Issue Debit Cards  Mobile Banking Reorder Checks Bank & ATM Locations
The Prime Rewards account is available only for residents of the following Illinois counties: Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, and Washington.

*APY=Annual Percentage Yield. APYs accurate as of 11/15/2016. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances $1 up to $10,000 receive APY of 3.0%; and (3) balances over $10,000 earn 0.31% interest rate on portion of balance over $10,000, resulting in 3.0% - 0.31% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. **ATM receipt must be presented for reimbursement of an individual ATM fee of $4.99 or higher. ATM reimbursement cap is $30 per cycle