Personal Checking

Personal Checking Accounts

We understand everyone has different banking needs. That’s why we offer a variety of flexible checking accounts, all designed to make banking easier and help you reach your financial goals. Take a look below to see the wide range of options available and contact a Personal Banker to determine the best fit. We are happy to help you find the checking account that best suits your needs.

Enhance Your Checking Experience

  • Overdraft Protection Options: Life can be hectic! That’s why we do our best to make it easy for you.
  • GenGold ®: Joining GenGold means enjoying the benefits of travel discounts, health services, value-added options, and identity-theft restoration rescue.
  • Debit Cards: Open a checking account and receive a free Pink Ribbon Debit Card. Every time you use the card to make a purchase, we make a contribution to help fight breast cancer in our community.

Reorder Checks

Illinois Bank & Trust’s routing number is 071925554.

Scroll to the left to view the rest of the table.
Compare checking account options: Free Checking with eStatements Cash Rewards Checking Money Manager 5000
Minimum Deposit to Open
$25 In Banking Center $25
AtWork $0
Minimum Balance
to Avoid Monthly Maintenance Fee
None None $5,000 daily minimum or
average daily for the cycle month
Monthly Maintenance Fee
eStatement enrollment required to
avoid $2.50 paper statement fee
eStatement enrollment required to
avoid $2.50 paper statement fee
Interest Earning N/A Yes - Tiered Yes - Tiered
Debit Card Available Yes Yes Yes
Overdraft Privilege Available Yes Yes Yes
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