Printer-friendly versionPrinter-friendly version

When you're just starting out, defining your financial goals can be difficult, just like reaching them. Defining your goals can be a process and they may change over time. We want to help you begin your financial journey, set goals and achieve them, whatever they may be. Check out some of our solutions below that are just right for those just starting out.

Basic Checking

  • May be opened with an initial deposit of $100.00
  • There is no monthly minimum balance to be maintained
  • There is no monthly service charge 
  • No limit to the number of checks that may be written per month and there are no charges per check written

Student Checking Account

We designed an account to help young adults handle their finances and provide peace of mind to parents. We call it our Student Checking Account. It offers everything your high school or college student needs for financial security, including a Checking Account, a Cash Card1, and a Credit Card2

Features and Benefits

  • FREE Checking Account with no minimum balance and no monthly fee¹
  • NO ANNUAL FEE ATM or MasterCard Debit Card²
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area
  • FREE imaged checks
  • FREE On-line Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities


¹Other qualifications and service charges may apply. See bank for details. ²Subject to age and other qualifications. Credit Cards are offered, issued and approved by First Bankcard, a division of First national Bank of Omaha. See bank for details.

Passbook Savings Account

  • No minimum to open
  • Minimum Daily Balance requirement of only $250 to avoid a quarterly service charge of $2.50
  • You receive a personalized passbook which must be presented each time you make a deposit or withdrawal, where all of your transactions are recorded
  • Interest is compounded and paid quarterly

Money Market Account

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

Features & Benefits

  • Minimum Daily Balance of only $2,500.00 to avoid a monthly service fee
  • Higher interest rates than a typical Savings Account
  • Unlimited deposits and up to six preauthorized debits at no charge
  • 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

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers.

Overdraft Protection

Products & Programs

  • Overdraft Protection Account--Allows you to cover the unexpected opportunity or the occasional overdraft
  • Flexible line amounts
  • Competitive interest rates

Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles