Personal Banking

When you need financial advice and products, you can count on us. We have friendly, dedicated associates and offer outstanding deposit and loan products. Our digital services will make managing your banking relationship simple. We will take the time to understand your situation and help you select the right financial products and services for your unique situation.

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PERSONAL BANKING

Personal Checking

Whatever life stage you’re in - from student to senior - and whatever your financial goals are, we have a checking account for you.

We have a personal checking account to meet your individual needs and make managing your money easy. Which checking account is right for you?

 Regular CheckingConvenience CheckingSenior Checking (62 or older)Student CheckingNow AccountMoney Market*
Minimum opening deposit$100$100$100$100$1,000$2,500
Unlimited check writing
Free VISA® Debit Card
Free Digital Banking
Free Bill Pay
Free E-Statements
Free Money Management
Tiered Interest Rates
RequirementsMust maintain a minimum balance of $500 or $1,000 average daily balance during the statement cycle or a $5 monthly service charge will be appliedMust have a direct deposit, 10 point-of-sale debit transactions and maintain a $100 minimum balance during the statement cycle or a $7.50 monthly service charge will be applied.Requires direct deposit of monthly benefit checkMust maintain a balance of $100 during the statement cycle between the ages of 0 to 24 or a balance of $500 between the ages of 25 to 999 or a $5 service charge will be appliedMust maintain a minimum balance of $1,000 or $2,000 average daily balance during the statement cycle or a $7.50 service charge will be appliedMust maintain a minimum balance of $2,500 during the statement cycle or a $10 service charge will be applied

*Transfers limited to 6 per statement cycle. Transfers include preauthorized, automatic, telephone transfer, check, draft or similar order to third parties

  • $100 minimum opening deposit
  • Unlimited check writing
  • Free VISA® Debit Card
  • Free Digital Banking
  • Free Bill Pay
  • Free E-Statements
  • Free Money Management
  • Must maintain a minimum balance of $500 or $1,000 average daily balance during the statement cycle or a $5 monthly service charge will be applied
  • Unlimited check writing
  • Free VISA® Debit Card
  • Free Digital Banking
  • Free Bill Pay
  • E-Statements Required
  • Free Money Management
  • $100 minimum opening deposit
  • Must have a direct deposit, 10 point-of-sale debit transactions and maintain a $100 minimum balance during the statement cycle or a $7.50 monthly service charge will be applied.
  • $100 minimum opening deposit
  • Unlimited check writing
  • Free VISA® Debit Card
  • Free Digital Banking
  • Free Bill Pay
  • Free E-Statements
  • Free Money Management
  • No service charge
  • Requires direct deposit of monthly benefit check
  • $100 minimum opening deposit
  • Unlimited check writing
  • Free VISA® Debit Card
  • Free Digital Banking
  • Free Bill Pay
  • Free E-Statements
  • Free Money Management
  • Must maintain a balance of $100 during the statement cycle between the ages of 0 to 24 or a balance of $500 between the ages of 25 to 999 or a $5 service charge will be applied
arcola-bank-top-school-students-image
  • $1,000 minimum opening deposit
  • Unlimited check writing
  • Free Visa® Debit Card
  • Free Digital Banking
  • Free Bill Pay
  • Free E-Statements
  • Free Money Management
  • Must maintain a minimum balance of $1,000 or $2,000 average daily balance during the statement cycle or a $7.50 service charge will be applied
  • Tiered interest rates
  • $2,500 minimum opening deposit
  • Transfers limited to 6 per statement cycle. Transfers include preauthorized, automatic, telephone transfer, check, draft or similar order to third parties
  • Free Digital Banking
  • Free Bill Pay
  • Free E-Statements
  • Must maintain a minimum balance of $2,500 during the statement cycle or a $10 service charge will be applied
  • Tiered interest rates

Set Up Direct Deposit or Automatic Payments

To set up Direct Deposit or Automatic Payments, you will need your Routing Number – 071106344, and your Account Number – found in your digital banking app, or on the bottom of a personal check. Do not include any spaces or dashes when entering your account number.

Set Up Transfers

Distribute your cash flow into different accounts regularly without having to even think about it with our Automatic Transfers. You can set up one time or reoccurring transfers in your digital banking app or you can visit one of our banking centers to set up an automatic transfer authorization for periodic, maintenance or insufficient funds transfers.

Your Money Is Safe

Your deposits are insured to at least $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC). Learn More: (link to FDIC – https://www.fdic.gov/resources/)

Electronic Deposit Insurance Estimator https://edie.fdic.gov/

Meet Our Retail Team

Open your checking account with us today!

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PERSONAL BANKING

Personal Savings

You have financial goals and we have savings plans to help you get there. Our savings accounts make it easy to build the future of your dreams.

We offer a range of savings options tailored to meet both your short- and long-term needs. Achieve your savings goals with one of our savings accounts.

  • $100 minimum opening deposit
  • 6 free withdrawals per month – $1 fee per debit transaction (withdrawal, automatic transfer, or payment) in excess of 6 during a monthly cycle
  • $2 monthly service charge unless minimum balance of $100 is maintained
  • Variable interest rates
  • May receive monthly statement when combined with checking account statement
  • $25 minimum opening deposit
  • 6 free withdrawals per month – $1 fee per debit transaction (withdrawal, automatic transfer, or payment) in excess of 6 during a monthly cycle
  • $2 monthly service charge unless minimum balance of $25 is maintained
  • Variable interest rates
  • May receive monthly statement when combined with checking account statement
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  • $1 minimum opening deposit
  • $5,000 maximum deposit per individual
  • No withdrawals permitted prior to maturity
  • Interest rate determined annually
  • Club begins in mid-October (January 31 – last day to open)
  • Maturity date – mid-October of each year (exact day to be announced)

Set Up Direct Deposit or Automatic Payments

To set up Direct Deposit or Automatic Payments, you will need your Routing Number – 071106344, and your Account Number – found in your digital banking app, or on the bottom of a personal check. Do not include any spaces or dashes when entering your account number.

Your Money Is Safe

Your deposits are insured to at least $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC). Learn More: (link to FDIC – https://www.fdic.gov/resources/)

Electronic Deposit Insurance Estimator https://edie.fdic.gov/

Meet Our Retail Team

Open your savings account with us today!

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PERSONAL BANKING

Swipe2Save

We are excited to inform you about Swipe2Save. Our new Round-Up Savings Program. It’s free and easy to use!

How does it work? Swipe2Save is an automatic way to save more money every time you use your debit card. We will “round-up” your debit card purchase to the nearest whole dollar amount and put the “rounded-up” amount into your savings account. Once enrolled, we will add up all the “rounded-up” amounts and, within one business day, transfer the lump sum from your checking into your savings account. You will be able to track all your round-up amounts inside of your Digital Banking on a daily basis and on your monthly statement.

What do you need? To take advantage of our free Round-Up Savings Program, you will need to have a checking account, savings account, debit card and to complete a Round-Up Savings Enrollment Form. Don’t have an account or debit card? Stop by one of our banking centers to open today.

How do I enroll? Fill out the enrollment form and return it to your local banking center in person, by mail, or by secure email. If you try it and don’t like it, no problem, you can cancel by signing a cancellation form.

Why should I enroll? It’s a free, easy and convenient way to save…it just makes CENTS! No usage qualifications. No strings attached. Everyone qualifies.

What are you waiting for? Enroll today!

Click here to fill out the Swipe2Save Round-Up Savings Enrollment Form


PERSONAL BANKING

Certificate of Deposit

Certificate of Deposits are a low-risk savings solution with a fixed interest rate. Earn better rates for saving longer. Just pick the term that best fits your current financial situation, and lock it down. No matter what the market does, your returns keep coming in, with no surprises or fluctuations. All CDs require a minimum investment of $2,500 with maturity terms ranging from seven day to five years. A penalty may be imposed for early withdrawals.


PERSONAL BANKING

Individual Retirement Account

Prepare for the retirement of your dreams.

  • Traditional IRA Accounts may be fully deductible, depending on income and plan participation. All dividends earned are tax deferred. Minimum of $500.00.
  • Roth IRA contribution earnings are tax free in most cases and are non-deductible. Minimum of $500.00.

PERSONAL BANKING

Rates

TypeAPY
NOW (Min. $1,000)*.050
NOW (Min. $5,000)*.050
NOW (Min. $25,000)*.100
NOW (Min. $50,000)*.100
Money Market (Min. $2,500)*.100
Money Market (Min. $25,000)*.100
Money Market (Min. $50,000)*.100
Savings (Min. $.01)*+.100
Savings (Min. $10,000)*.150
Minor Savings*++.100
Christmas Club+++.510
7-31 Day Certificate of Deposit**.050
91 Day Certificate of Deposit**.100
182 Day Certificate of Deposit**.150
1 Year Certificate of Deposit**.200
18 Month Certificate of Deposit**.250
24 Month Certificate of Deposit**.300
30 Month Certificate of Deposit**.376
36 Month Certificate of Deposit**.401
48 Month Certificate of Deposit**.551
60 Month Certificate of Deposit**.602
182 Day IRA***.150
1 Year IRA***.200
18 Month IRA***.250
24 Month IRA***.300
30 Month IRA***.375
36 Month IRA***.400
48 Month IRA***.551
60 Month IRA***.601

*Interest rates and Annual Percentage Yield’s may change after account opening

*Fees could reduce earnings on the account **CD Minimums = $2,500

**Substantial penalty for early withdrawal ***IRA Minimums = $500.00

***Substantial penalty for early withdrawal may apply

+Minimum to open is $100.00

++Minimum to open is $25.00

+++Minimum to open is $1.00

BUSINESS CHECKING AND SAVINGS

Business Banking

We have the banking, borrowing and investing options to help your business succeed.