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Establish a program at Wheaton Bank & Trust that allows your money to grow, while letting our services take care of your banking needs. Whether you are looking to open a new checking account, save for your future, or add to your current portfolio, Wheaton Bank & Trust has a program for you.

Total Access Checking

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

  •  NO MINIMUM BALANCE account
  •  FREE access to ATMs NATIONWIDE
  •  WE REBATE YOUR ATM FEES!
  •  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.

Statement Savings Account

  • No minimum to open
  • Minimum Daily Balance requirement of only $250 to avoid a quarterly service charge of $2.50
  • Interest is compounded and paid quarterly
  • Statements conveniently combined with your monthly checking statement OR sent quarterly
  • Transfer funds as needed to your checking account with Telebank or FREE online banking

Statement Savings Account – We use the daily balance method to calculate interest on your account. Interest will be compounded Quarterly and paid to your account Quarterly.

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

Passbook Savings Accounts – We use the daily balance method to calculate interest on your account. Interest will be compounded Quarterly and paid to your account Quarterly.

Junior Savers Club Account™

Our Junior Savers Club Account™ teaches children and young adults 18 and under the rewards of saving while making banking FUN! 

In addition to learning one of life's most valuable lessons, Junior Savers will receive:

  • A Personalized passbook with identification as a Junior Savers Club member
  • A special JSC Bank to inspire daily at-home saving
  • Our exclusive "Treats Dollar" gift certificate each time the account balance exceeds its previous balance by $100. Certificates may be redeemed at local participating merchants.
  • And lots of other great goodies and fun activities for Junior Savers. You’ll be sent frequent invites to fun Junior Savers Club events and contests

Teaching kids how to save. It's all part of our commitment to bring traditional community banking back to the community

 

Learn more about our Junior Savers special events.

 

Junior Savers Club Account – We use the daily balance method to calculate interest on your account. Interest will be compounded Quarterly and paid to your account Quarterly.

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.

 


It's Easy To Open This Account

Fill out and submit this application form or come see one of our friendly personal bankers. Also check out our overdraft protection option. Please contact us if you have any questions.