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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

Crystal Lake Checking Account™

  • May be opened with an initial deposit of $100.00 or more
  • There is no daily minimum or average daily balance requirement
  • No limit to the number of checks that may be written per month and there are no charges per check written
  • Free first order of specialty checks (150 checks)
  • Free imaged checks option with CheckManager Plus™

Student Checking Account

  • There is no daily minimum or average daily balance requirement
  • No limit to the number of checks that may be written per month and there are no charges per check written
  • Free first order of specialty checks (150 checks)
  • Free imaged checks option with CheckManager Plus™
  • Other service charges may apply

Crystal Lake NOW Account™

  • An interest-bearing checking account
  • May be opened with an initial deposit of $100 or more
  • There is a daily minimum balance of $400 or average daily balance of $800 required to avoid a $9 monthly service charge
  • No limit to the number of checks that may be written per month
  • No charges per check written
  • Free imaged checks option with CheckManager Plus™
     

MaxChecking™

  • May open with an initial deposit of $100 or more
  • MasterCard Debit Card
  • Access to online banking 24/7
  • Online Bill Pay
  • Account Alerts
  • Overdraft Protection
  • No minimum balance requirement
  • No monthly fees


Every month that you meet our three simple requirements (see below), you will earn 1.00% APY* on balances up to $25,000. Plus, you’ll still earn 0.05% APY* on balances over $25,000 and non-qualifying accounts. 

  1. Make one direct deposit or ACH transfer each month.
  2. Perform at least 10 debit card transactions each qualification cycle.
  3. Receive monthly statements electronically. 

Additionally, if you have a Junior Savers Account, Certificate of Deposit with a balance of at least $10,000 (excluding IRA accounts) or a Home Equity Line of Credit with an outstanding balance of at least $25,000 you will receive a 0.25% bonus for each. One interest rate bonus per type of companion account per household is allowed.

* APY is Annual Percentage Yield.

 

 

PlatinumPreferred® Account

PlatinumPreferred Account® offers a bundle of checking products and services designed to meet the needs of folks age of fifty and older.

We have developed an attractive combination of products and services to meet the banking needs of customers who have reached the age of fifty. It's called the PlatinumPreferred Account™, and it offers to this special group of people the following benefits:
* An interest bearing NOW Account
* $100 to open
* No monthly service charge and no minimum monthly balance
* FREE supply of checks1
* FREE On-line Banking and FREE Bill Pay
* FREE imaged checks option with CheckManager Plus™
* Bonus interest rates on all fixed rate CDs
* FREE 3" X 5" X 21" safe deposit box for one year (or equivalent savings off a larger box)
* FREE ATM Card
* FREE no annual fee MasterCard credit or debit card2
* FREE Cashier's Checks
* FREE Travelers Checks for One
* FREE Notary and FREE Signature Guarantees
* FREE Money Orders
* FREE direct deposit of payroll, benefit, and dividend checks
* Contact a personal banker for more details

1. Limitations apply on type of check and quantity ordered. 2. Annual fee waived, first year and each year thereafter if you make at least one purchase per year. Requires credit approval. Credit Cards are offered, issued and approved by First Bankcard, a division of First National Bank of Omaha.

 

Single Solution Checking Account®

  • An interest-bearing checking account with tiered interest rates
  • May be opened with an initial deposit of $500 or more
  • There is a daily minimum balance requirement of $500.00 to avoid a $10.00 statement cycle service charge
  • No limit to the number of checks that may be written per month
  • No charges per check written
  • Free imaged checks option with CheckManager Plus™
  • Must maintain a minimum balance of $1,000 in the account each day to earn interest