Phone: 800-699-9766

Prime Rewards Checking

Free checking has just gone prime time!

Earn a massive 3.50% APY* 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 or monthly 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 month! Just another way we're helping the Dieterich, Teutopolis, Effingham, Newton, 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, and Coles

Summary

3.50% APY* on balances up to $25,000
1.50% 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
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

*APY = Annual Percentage Yield.

See "More Information" tab above for details.

Qualifications

To earn the Prime Rewards rate & receive automatic ATM refunds**, simply do the following each statement cycle:

Make at least 10 debit card purchases
Receive a monthly e-Statement
Access Online Banking

*The Prime Rewards account is available only for residents of the following Illinois counties: Effingham, Jasper, Shelby, Fayette, Clay, Richland, Crawford, Clark, Cumberland, and Coles

More Information

Annual Percentage Yield (APY) accurate as of 03/15/2010. No minimum balance required, however minimum deposit to open the account is $25.00. Prime Rewards Checking rate tiers are as follows: 3.50% APY applies to balances of $.01 - $25,000 and 1.50% APY applies to balances over $25,000 as long as qualifications are met each statement cycle. 0.20% APY applies to all balances if qualifications are not met. At the bank's discretion the interest rate and APY may change at any time after the account is opened. No monthly service charge, however fees may reduce earnings (i.e. stop payment fees, overdraft fees). Each month qualifications are met you will receive nationwide ATM fee refunds. If you do not meet qualifications per statement cycle, your account will still function as a free checking account earning 0.20% APY on your balance, however you will not receive nationwide ATM fee refunds for that time period. Available to personal accounts only.