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Establish a program at Crystal Lake 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, Crystal Lake Bank & Trust has a program for you.

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

Statement Savings Account

  • Your account earns interest which is compounded and paid monthly
  • Statements are also sent monthly
  • $100 initial deposit to open
  • Maintenance fee of $1.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of cycle
  • Transaction limitations may apply

Passbook Savings Account

  • You receive a personalized passbook where all of your transactions are recorded at the time of deposit or withdrawal
  • Interest is compounded and paid quarterly
  • Initial deposit of $200 to open
  • Maintenance fee of $3.00 will be imposed every quarter if balance falls below $200 any day of quarter
  • Transaction limitations may apply

Christmas Club Account

  • Your account earns interest which is paid annually
  • Statements are sent monthly
  • A check is sent in early November for the balance in the account
  • Transaction limitations may apply

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!

We believe learning to save should start at an early age. That's why we've developed a Junior Savers Club™—to help kids understand the value of money and make saving FUN! Our exclusive Junior Savers Club Account is a Passbook Savings Account designed to teach children and young adults 18 and under the rewards of saving.

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 high balance by $50. Certificates may be redeemed at local participating merchants
  • Extra savings to be sure your account grows—all regular account service charges are waived for Junior Savers
  • Your Junior Savers Passbook Account also receives a higher rate of interest than do adults
  • 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
  • Transaction limitations may apply

Older kids can also benefit. Whether it's a college education or a state-of-the-art stereo system, the Junior Savers Club can help you set goals and develop financial responsibility. Your personal banker will work closely with you and your parents to structure an individual savings program that meets your objectives.

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

To Open This Account

Please come in and visit one of our personal bankers to open this account.

Money Market Account

  • A tiered rate of interest that is higher than a typical Savings Account
  • Being able to make unlimited deposits and six preauthorized debits at no charge
  • Unlimited withdrawals may be made in person, ATM, by mail or messenger at the bank
  • May conveniently access this account with your ATM Card
  • Minimum daily balance of $1,000 to avoid a service charge of $10 per statement cycle
  • $1,000 initial deposit to open
  • Transaction limitations may apply

TreasuryPlus Money Market Account

  • A higher rate of interest than a typical Savings or Money Market Account
  • Being able to make unlimited deposits and six preauthorized debits at no charge
  • Unlimited withdrawals may be made in person, ATM, by mail or messenger at the bank
  • May conveniently access this account with your ATM Card
  • Minimum daily balance of $15,000 to avoid a service charge of $10 per statement cycle
  • Initial deposit of $15,000 to open
  • Transaction limitations may apply

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
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.

 


It's Easy To Open This Account

Our SimpleSwitch™ system makes switching your bank accounts, direct deposit and automatic bill payment very simple. 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.