Earn 5.01% APY (paid in points) on the first $5,000 in your account, when 10 debit card purchases post and clear your account during the monthly statement cycle. Plus, receive 0.10% APY on the portion of your balance over $5,000.
Apply By Phone
1-309-266-5337
Annual Interest Rate
4.01%
Paperless Statements
Yes
Transaction Fees
-
Monthly Fee
-
Deposit Insurance
Yes
Account Opening Bonus
-
Overdraft Protection
-
This is for people who just use a checking account to pay some bills and perhaps use a debit card to pay some daily expenses. Some basic accounts require direct deposit or a minimum balance to avoid monthly “maintenance” fees. You may be limited to a certain number of checks per month; exceed that number and you’ll pay a “per item” fee for each additional check you write. You don’t want to maintain a high balance in these accounts because you won’t be paid interest.