Illinois Bank & Trust
$350 Checking Account Bonus

Cha-Ching! Earn up to $350 when you open a new consumer checking account by June 28, 2019.¹

PLATINUM CHECKING

An interest-bearing checking account that will earn you a premium interest just by keeping a minimum balance.

2.00% APY

On Balances Up To $50,0002

ATM Fee Refunds2

FREE CHECKING WITH eSTATEMENTS

Unlimited check writing, Online/Mobile Banking, Debit Card and more. Designed for those who prefer ease and simplicity in banking.

$0

Minimum Balance

$25 minimum deposit to open

CASH REWARDS CHECKING

An interest-earning checking account that offers ATM fee refunds2. Designed for heavy debit card users looking to get rewarded for their spend.

1.01% APY

on Balances Up To $20,0003

ATM Fee Refunds3

SIGNATURE SERIES CHECKING

Receive a high interest rate on large balances and best benefits from our premium account.

1.00% APY

On Balances $250,000+4

ATM Fee Refunds4

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1 $350 bonus offer is not available to existing Illinois Bank & Trust consumer checking customers or those who have been paid a new account opening bonus since January 1, 2018. Bonuses only apply when opening a new consumer checking account at Illinois Bank & Trust or IllinoisBanks.com during the promotional bonus period. The promotional bonus period is 5/01/2019-6/28/2019. If the account is closed by the customer or bank within 90 business days after opening, we may deduct bonuses earned and received at closing and a $25 account closing fee may be assessed. Closing the account will negate any unearned bonuses. All bonus dollars will be paid to the newly opened checking account. If multiple checking accounts are opened during the promotional bonus period under the same primary owner name, the bonuses will be paid to the account that was opened first. Limit one bonus per new consumer account relationship. A $30 bonus will be given for enrolling in eStatements within 60 calendar days of account opening and a $70 bonus will be given if one (1) direct deposit of $500 or more post to the account within the first 60 calendar days of account opening. Direct Deposit examples include payroll, pension, Social Security or other government benefits. A $250 bonus will be paid if the account has at least $7,500 balance 60 calendar days after account opening. Bonuses will be paid within 90 business days after the promotional period has ended. An IRS 1099 form may be issued. Health Savings Accounts and Fiduciary accounts are not eligible for the promotion. Geographic restrictions may apply. Account opening is subject to approval. Minimum to open and APY given on a consumer checking account varies by product selected. For example, our Platinum Checking: Annual Percentage Yields (APY) are accurate as of 05/22/2019. 2.00% APY applies to balances of $0.01 to $50,000.00 and 0.35% APY applies to balances $50,000.01 and above. Rates and terms may change after account is open. Keep minimum average daily balance of $7,500 to avoid $12 monthly maintenance fee. Minimum $500 to open. Fees may reduce earnings. Foreign ATM fees of up to $20 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. Platinum Checking is a Consumer Checking account. Not available in our Sterling and Rock Falls banking centers.

2Annual Percentage Yields (APY) are accurate as of 05/22/2019. 2.00% APY applies to balances of $0.01 to $50,000.00 and 0.35% APY applies to balances $50,000.01 and above. Rates and terms may change after account is open. Keep minimum average daily balance of $7,500 to avoid $12 monthly maintenance fee. Minimum $500 to open. Fees may reduce earnings. Foreign ATM fees of up to $20 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. Platinum Checking is a Consumer Checking account.

3 Annual Percentage Yields (APY) are accurate as of 05/22/2019. 1.01% APY applies to balances of $0-$20,000 and 0.01% APY applies to balances $20,000.01 and above if qualifications are met each monthly statement cycle. 0.01% APY applies to balances of $0-$20,000 and 0.01% APY to balances $20,000.01 and above if qualifications are not met. Rates and terms may change after account is open. To earn rewards: Sign up for eStatements, use direct deposit and post 15 debit transactions within your monthly statement cycle and have a valid email address. Minimum $25 to open. Fees may reduce earnings. Foreign ATM fees of up to $20 per monthly statement cycle will be refunded if reward requirements are met. $0 monthly fee with eStatements (otherwise $2.50 paper statement fee applies). $0 minimum balance. Rates may vary in the Galena location.

4 Signature Series Checking Annual Percentage Yields (APY) are accurate as of 05/22/2019. APY tiers apply to the following balances: 0.00% APY on balances of $0.00 to $49,999.99. 0.50% APY on balances of $50,000.00 up to $149,999.99. 0.75% APY on balances of $150,000.00 up to $249,999.99. 1.00% APY on balances of $250,000.00 and above. Rates and terms may change after the account is opened. Minimum deposit to open account is $1,000. Fees may reduce earnings. Foreign ATM fees of up to $20 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. Signature Series Checking is a Consumer Checking account. Keep average daily balance of $50,000 or have $100,000 in total relationship balances each cycle to avoid $9 monthly fee.