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We offer enhanced and simple checking account solutions to choose from, each designed to suit your individual needs. Have access to your money on a daily basis for every day needs. Each account makes banking easier and includes:

  • A Large ATM network
  • Online Banking
  • E-statements
  • FinanceWorks, makes it easier to monitor your Cash-flow
  • TeleBanking

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.

Basic Checking


  • 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 Surcharge-free ATMs in the Chicagoland area
  • FREE first order of checks
  • 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.

NOW Account™

Whether you've just moved to the area or are a longtime resident, the Wheaton Account offers a whole bundle of benefits that have no fees. You can utilize some or all of the following benefits:

  • An interest bearing NOW Checking Account
  • No monthly service charge1
  • FREE first order of specialty checks
  • Checking, savings and CD balances go into one combined monthly statement
  • NO ANNUAL FEE ATM or MasterCard Debit Card
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area
  • NO ANNUAL FEE Credit Card2
  • FREE small size Safe Deposit Box for 1 Year4
  • FREE imaged checks
  • FREE online banking and telebanking
  • FREE bill pay
  • FREE Quicken and Microsoft Money download capabilities
  • No FEE Traveler's Checks, Money Orders and Cashier's Checks
  • NO ANNUAL FEE Overdraft Protection2
  • 1/4% discount on installment loans with auto-debit payments
  • A low rate Home Equity Line of Credit3

To take advantage of some or all of these benefits, all you have to do is open a NOW Account™ and maintain a daily minimum balance of $1000 in the account or $2,500 in a combined savings, CD and Money Market5.

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

¹Penalty fees, such as overdraft charges, and fees for special services may apply. 2Overdraft Protection and Credit Cards are subject to credit approval. Credit Cards are offered, issued and approved by First Bankcard, a division of First National Bank of Omaha. 3Please call the bank for the most current rates. 4For a 2 x 5 x 22 box or the equivalent toward a larger box.

5Service charge fee of $12.00 if combined Savings , CD and Money Market balances are less than $2,500

NOW Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded every month and credited to your account every month.