PERSONAL BANKING: CHECKING OVERVIEW
Day in and day out, your checking account is your most important financial tool. We’ve designed our checking options to let you choose the features you need. Get the accounts that work as hard as you do – at Sauk Valley Bank!
Free Checking
"Free" is the key here! It takes nothing to open this account. From there you have no monthly service charges and no per check charges. There are no limits on how many checks you write either.
No minimum deposit required to open the accountNo minimum monthly balance requirementNo monthly service chargeFree Debit Card available upon approvalFree NetTeller & Bill PayFree E-StatementsOverdraft Protection available upon approvalMonthly statements with images$10.00 closing fee if account is closed within 6 months after opening account
Tiered interest-bearing account with limited check writing capability.
Interest is paid on four tiersInterest compounds daily and credited monthlyMinimum balance of $1000 to open account$3.00 service fee if balance falls below $1000 any day of the monthNo service fee in the first 30 days of account opening if balance is below $1000Up to three checks per statement cycle and $10 per item fee for each check in excess of three in a 30 day cycle periodVariable interest rate may change the first business day of each monthFree Debit card available upon approvalFree NetTeller & Bill PayFree E-statementsOverdraft Protection available upon approvalMonthly statements with images$10.00 closing fee if account is closed within 6 months after opening accountReg. D limitations: for each calendar month and/or statement cycle, a maximum of six withdrawals or transfers can be made from this account, with only three of these being third party transactions (POS transactions, check card, checks). Six transaction limit includes phone transfers, online bill pay and electronic debits (ACH). Three transaction limit includes check and debit card transactions. Unlimited transactions include ATM and in person branch transactions.
Interest bearing checking account with unlimited check writing capability and all the ancillary services to access the account.
$100 minimum opening balanceMinimum balance of $1000 per statement cycle$10 service fee if balance falls below $1000 any day of the monthInterest compounds daily and paid monthlyVariable interest rateFree Debit card available upon approvalFree NetTeller & Bill PayOverdraft Protection available upon approvalMonthly statements with imagesE-statements available$10.00 closing fee if account is closed within 6 months after opening account
Senior Checking
Low balance start up checking account with no service charges and all ancillary services to access the account including free checks for the life of the account.
For customers age 55 or better to qualifyNo minimum deposit required to open accountNo minimum monthly balance requirementNo monthly service chargeUnlimited check writingPre-selected checks are free for the life of the accountFree Debit card available upon approvalFree NetTeller & Bill PayOverdraft Protection available upon approvalMonthly statements with imagesE-statements available$10.00 closing fee if account is closed within 6 months after opening account
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