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The choice of investments for your retirement funds is never easy. The funds you have saved for your retirement deserve special attention. How much you save and the returns on those funds may be the difference between being able to have the lifestyle you want during retirement or being forced to accept something less. We have many options for your money and want to help you manage your money in the best way possible. This time in your life may be the most enjoyable and relaxing. We want to help you enjoy the ride.

Total Access Checking

 Total Convenience, Total Savings and Totally FREE ATMs Nationwide!*

  •  FREE access to ATMs NATIONWIDE
  •  FREE Online and Mobile Bill Pay

*No transaction charge at any ATM in the Money Pass, AllPoint or Sum surcharge - free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1% International Service fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States. $100.00 deposit required to open account. Fees, such as overdraft charges and fees for special services, may apply.

Money Market Account

Our Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing2 account with limited check-writing privileges.

Features & Benefits

  • Minimum Daily Balance of only $2,500.00 to avoid a monthly service fee1
  • Unlimited deposits and up to six preauthorized debits at no charge3
  • Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
  • FREE On-line Banking and Telebank

It's Easy To Open This Account

Fill out and submit this application form or come see one of our friendly personal bankers.

1 A minimum balance fee of $15.00 will be imposed every statement cycle if the daily balance in the account falls below $2,500 any day of the statement cycle.

2 Money Market Account – We use the daily balance method to calculate interest on your account. Interest will be compounded Monthly and paid to your account Monthly. 

3 An excessive transaction fee of $10.00 will be charged for each transaction in excess of the above limitations (Transfers from a Money Market Account to another account or to a third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties)

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 1 Month
  • 3 Months
  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.00.


Maxsafe® Accounts

Max Safe Image

MaxSafe Logo




Safety and security of your deposit account is paramount today.  Making sure your deposits are covered by the FDIC is something every one and every company should do.  By titling accounts properly a typical couple may quickly achieve $1,000,000 in FDIC insurance from our bank.  But, what if you have a larger deposit, are seeking FDIC insurance and don’t know what to do?


The MaxSafe Account is designed for those seeking a Certificate of Deposit (CD) or Money Market Account (MMA) with additional FDIC insurance.  MaxSafe is an innovative and unmatched investment alternative that provides up to

15 times the FDIC security of a traditional banking deposit.  We’ll also simplify your life by providing one summary statement and one 1099 form at tax time.

In today’s volatile marketplace, the added security and convenience of up to $3.75 million in FDIC insurance means peace of mind. How can we offer this unparalleled level of protection? By depositing your funds across a group of 15 affiliated community banks. Fifteen banks equals fifteen times the usual $250,000 level of FDIC maximum protection.  However, you must consider the funds you have on deposit at our bank.


Some common frequently asked questions about MaxSafe are:


What are the particulars of the MaxSafe® CD?

It is an automatically renewable, fixed-rate Certificate of Deposit (of a chosen term) with FDIC insurance of up to $3.75 million per titled account. It is available for consumers, businesses and not-for-profits. It is not currently available for IRA’s, however. A minimum deposit of $100,000 is required to open a MaxSafe CD.


What is the MaxSafe® Money Market Account?

It is a Money Market Account (MMA), with the typical limitation of transactions per month like a normal money market account (please ask a personal banker for more details) insurance of up to $3.75 million per titled account. It is available for consumers, businesses and not-for-profits.  A minimum deposit of $250,000 is required to open a MaxSafe MMA.  A minimum service charge of $75 will be assessed if the balance falls below $250,000.


How can you offer such a high level of additional FDIC protection?

With 15 separate, but affiliated, community banks in Illinois and Wisconsin, we are able to combine each bank’s individual FDIC protection and offer our customers the benefit of 15 times the normal $250,000 level of FDIC Insurance. All fifteen of these banks are all fully FDIC Insured and “well capitalized” per the FDIC and other government regulatory bodies.  A custody account from our affiliate, Wayne Hummer Trust Company, N.A., is opened via a MaxSafe professional, and funds are deposited on your behalf across these 15 banks.  


Is this legal? Is the FDIC OK with this?

This is absolutely legal and is perfectly in compliance with FDIC rules and regulations. While almost no banks in the Chicago area offer this service as of yet, a number of national brokerage houses offer a similar extra-FDIC insured program.

For more information and frequently asked questions, please stop by the bank and speak with a personal banker.  For more information on FDIC Insurance coverage, please visit