Personal Checking

Checking accounts designed to fit your lifestyle. From interest-bearing to age-based, we have a range of checking account options for your needs.

*Annual Percentage Yields and Interest Rates are current as of August 12, 2025

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$300	No daily balance required to earn interest	None	None	0.05%	0.05%

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$500	Daily balance of $200 or more to earn interest	$10/month service charge if daily balance falls below $1,000	None	0.10%	0.10%

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$300	Daily balance of $200 or more to earn interest	None	None	0.05%	0.05%

Regular Checking

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$300	None	$7/month service charge if balance falls below $500.	Unlimited	None	None

Call us at 217-351-2870 or visit a branch today to learn more about these accounts or to open a new account.

For current rate information, call 217-351-2870.

For more information call or email:

Cary Steinman
[email protected]
217-351-2870

Zack Flynn
[email protected]
217-351-2870

For current rate information, call 217-351-2870.

Any fees associated with the above accounts can decrease the earnings on the account.
Variable Rate Accounts are subject to interest rate changes after the accounts are opened.