Checking Accounts

Prestige Checking Account*

Features

  • Premium interest rates are earned based on a tiered balance system. Interest rates increase as your
    account balance increases. See your local branch office for tier details.
  • Unlimited transactions
  • A 0.50% interest rate reduction for Home Equity Credit Lines of $250,000.00 or less set up on automatic
    monthly payment draft and maximum Combined-Loan-to-Value (CLTV) of 90%
  • $30.00 Discount for One Safe Deposit Box
  • Free Prestige Specialty Checks
  • Free Online Banking with Unlimited Bill Pay
  • Free Little Check Debit Card
  • Free Official Checks
  • Free Check Images with Statement
  • Free Notary Service

Qualifications

  • Minimum balance to open account $1,000.00
  • A $25.00 monthly service fee can be avoided with:
    • An average collected balance of $10,000.00 or more in this account

* Account cycle ends on the 10th of each month. Fees may reduce earnings on the account.


Classic Rewards Checking*

Features

  • Unlimited Transactions
  • Free Online Banking with unlimited Bill Pay
  • Little Check Debit Card
  • Free Check Images with Statement
  • Free Notary Service
  • Free Official Checks (up to 3 per monthly statement cycle)
  • Eligible for 1 “add-on” to your Certificate of Deposit in a 12 month period at the initial issue rate.
    Add on amount plus original certificate of deposit balance not to exceed $250,000.00.
    • Premium interest and cash back rewards are offered on this account based on a tiered
      qualification matrix as outlined below.

Qualifications

  • Minimum balance to open account $100.00
  • No minimum balance requirements
  • A $7.95 monthly service charge can be waived by doing at least three (3) of the following**:
    • Receive an e-statement***
    • Have at least 1 direct deposit to the account
    • 5 debit card transactions post to the account during that statement cycle
    • Have less than 10 checks clear the account during that statement cycle
    • Have Automatic Funds Transfers of $100 or more to another little bank account.

* Account cycle ends on the 10th of each month. Fees may reduce earnings on the account.

** A partial refund will be credited to the account for each qualification met up to a full refund of the
monthly service charge by meeting at least three (3) of the five (5) items.

*** Must have an online banking account in order to receive e-statements.


Level 1 Rewards

  • Earn 2.02% APY on balances up to $50,0001 5
  • Earn 0.15% APY on balances above $50,0001 5
  • Annual refund of up to $30.00 annually toward a safe deposit box rental2
  • 1.0% Cash Bonus on signature debit card spending (up to $50 per statement cycle)3

Level 1 Qualifications

  • 50 debit card transactions posted to your account per statement cycle (excluding ATM transactions)4
  • 4 bill pay items issued from your account per statement cycle6
  • At least 1 direct deposit per statement cycle

Level 2 Rewards

  • Earn 1.00% APY on balances up to $25,0001 5
  • Earn 0.15% APY on balances above $25,0001 5
  • Annual refund of up to $30.00 annually toward a safe deposit box rental2
  • 0.50% Cash Bonus on signature debit card spending (up to $25 per statement cycle)3

Level 2 Qualifications

  • 20 debit card transactions posted to your account per statement cycle (excluding ATM transactions)4
  • 3 bill pay items issued from your account per statement cycle6
  • At least 1 direct deposit per statement cycle

Level 3 Rewards

  • Earn 0.50% APY on balances up to $25,0001 5
  • Earn 0.15% APY on balances above $25,0001 5
  • Annual refund of up to $30.00 annually toward a safe deposit box rental2

Level 3 Qualifications

  • 10 debit card transactions posted to your account per statement cycle (excluding ATM transactions)4
  • 3 bill pay items issued from your account per statement cycle6
  • At least 1 direct deposit per statement cycle

1 When you meet the minimum qualifications for that statement cycle.

2 Annual safe deposit box rental fee will be debited from your account and if you qualify for the reward for that statement cycle, the fee will be automatically refunded and credited to your account.

3 Signature debit card transactions must be posted to the account, not pending, as of the end of the statement cycle.* PIN based debit card transactions are excluded from cash bonus.

4 Debit card transactions must be posted to your account for that statement cycle.

5 Annual Percentage Yield (APY) accurate as of June 1, 2017. Rate tiers are as stated as long as qualifications are met each statement cycle. If qualifications are not met, accounts earn a 0.05% APY on all balances. Interest rate is variable and subject to change without notice. Interest is credited monthly and compounded daily based on the daily balance method. Fees may reduce earnings on the account.

6 Bill pay items must be issued from your account within the statement cycle to count toward the qualification. Bill pay items initiated by the customer are “issued” at 2:00 am CST and noon CST Monday through Friday, excluding federal holidays.


Easy Plus Checking*

Features

  • Unlimited Transactions
  • Free Online Banking with unlimited Bill Pay
  • Free Little Check Debit Card
  • Free Check Images with Statement
  • Free Notary Service
    • Free Travel Cards (Up to 2 per year with no card purchase fee2)
    • Premium cash back rewards and ATM surcharge refunds offered on this account based on a tiered qualification matrix as outlined below.

Qualifications

  • Minimum balance to open account $100.00
  • No minimum balance requirements
  • A $4.95 monthly service charge can be waived by doing at least three (3) of the following**:
    • Receive an e-statement***
    • Have at least 1 direct deposit to the account
    • 5 debit card transactions post to the account during that statement cycle
    • Have less than 10 checks clear the account during that statement cycle
    • Have Automatic Funds Transfers of $100 or more to another little bank account.

* Account cycle ends on the 10th of each month. Fees may reduce earnings on the account.

** A partial refund will be credited to the account for each qualification met up to a full refund of the monthly service charge by meeting at least three (3) of the five (5) items.

*** Must have an online banking account in order to receive e-statements.


Level 1 Rewards

  • Refund of foreign ATM surcharge up to $25 per statement cycle
  • $0.25 Cash Bonus per debit card transaction (up to $25 per statement cycle)1

Level 1 Qualifications

  • 25 debit card transactions posted to your account per statement cycle (excluding ATM transactions)1
  • At least 1 direct deposit per statement cycle

Level 2 Rewards

  • Refund of foreign ATM surcharge up to $10 per statement cycle
  • $0.10 Cash Bonus per debit card transaction (up to $10 per statement cycle)1

Level 2 Qualifications

  • 10 debit card transactions posted to your account per statement cycle (excluding ATM transactions)1
  • At least 1 direct deposit per statement cycle

1 Debit card transactions must be posted to the account, not pending, as of the end of the statement cycle.*

2 Customer is responsible for loan amounts and applicable transaction and usage fees as outlined in the card terms and conditions provided at the time of purchase.


Easy Checking*

Features

  • Unlimited Transactions
  • No monthly service fee
  • Free Online Banking with Unlimited Bill Pay
  • Free Little Check Debit Card
  • Free Check Images with Statement
  • Free Notary Service

Qualifications

  • No minimum balance to open the account
  • No minimum balance requirements

* Account cycle ends on the 10th of each month.

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