Prime Rewards Checking
Free checking has just gone prime time!
Earn a massive 3.10% APY* each monthly qualification cycle with this free high interest checking account. But we're just getting started. Your Prime Rewards also include nationwide ATM fee refunds** -- all with no minimum balance to earn rewards or monthly service fees.
Qualifying for the Prime Rewards is extremely simple. But if you don't qualify one cycle, don't worry -- you still get a free checking account that earns interest at our base rate. And you can get the Prime Rewards back the very next cycle! Just another way we're helping the Dieterich, Teutopolis, Effingham, Newton, Red Bud, Belleville and Eastern Illinois area communities.
The Prime Rewards account is available only for residents of the following Illinois counties: Effingham, Jasper, Shelby, Fayette, Clay, Richland, Crawford, Clark, Cumberland, Coles, Randolph, Monroe, St. Clair, Madison, Washington, and Clinton.
- Summary
- 3.10% APY* on balances up to $25,000
- 1.10% APY* on amount of balance over $25,000
- 0.20% APY* base rate if qualifications aren't met
- Nationwide ATM fee refunds**
- No monthly service charges
- No minimum balance to earn rewards
- Unlimited check writing
- Free SHAZAMChek Debit Card
- Free Online Banking with Bill Pay
- Free E-Statements
- Unlimited Telephone Banking
- Direct deposit available
- Overdraft Protection available
- FDIC Insured
- $25 minimum deposit to open
Qualifications
To earn the Prime Rewards rate & receive automatic ATM refunds**, simply do the following each monthly qualification cycle:
- Have at least 10 POS debit card transactions post and clear (excluding ATM transactions)
- Receive a monthly Electronic Statement (must have a valid e-mail address)
- Access Online Banking at least one time per qualification cycle (www.primebanc.com)
But if you don't qualify one cycle, don't worry -- you still get a free checking account that earns interest at our base rate. And you can get the Prime Rewards back the very next cycle!
The Prime Rewards account is available only for residents of the following Illinois counties: Effingham, Jasper, Shelby, Fayette, Clay, Richland, Crawford, Clark, Cumberland, Coles, Randolph, Monroe, St. Clair, Madison, Washington and Clinton.
*Minimum to open account is $25. Annual Percentage Yield (APY) accurate as of 1/17/11. Rate tiers are as follows: 3.10% APY applies to balances of $.01 - $25,000 and 1.10% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.20% APY applies to all balances if monthly qualifications are not met. All balances will earn 3.01% APY - 1.10% APY if monthly qualifications are met. Fees may reduce earnings (i.e. stop payment fees, overdraft fees). Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. Available to personal accounts only.
**ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.
