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Elevate your banking. Earn a cash bonus and top-shelf interest when you open a Platinum Checking account.

Choose the exclusive account with more benefits, access to a team of specialists and everyday banking services at no additional cost. Earn a cash bonus and ongoing interest when you open a Platinum Checking account at Illinois Bank & Trust, a division of HTLF Bank.

New customers will now earn up to $6001 plus  3.00% APY2

Illinois Bank & Trust, a division of HTLF Bank offers deposit solutions that fit your life and help you streamline and simplify the ways you manage your money. We also provide you with day-to-day convenience, flexibility and security at your fingertips.

  • Mobile Access – Access Online Banking anywhere with our mobile banking app. Available for download via the Google Play and Apple App stores.3

  • Signature GenGold® - A concierge service that offers you exclusive rewards and benefits.4

  • Digital Wallet – Add your debit card to your mobile device for an even safer and easier way to pay in stores, apps and online.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Arizona Bank & Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening an Arizona Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 0.01% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 0.61% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 0.61%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Bank of Blue Valley, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Bank of Blue Valley, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Citywide Banks, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Citywide Banks, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Dubuque Bank and Trust consumer checking account owner. (2) You have received a bonus for opening a Dubuque Bank and Trust consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 60 calendar days after the account open date. To receive a $300.00 bonus, you must have 2 direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 60 calendar days of account opening. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. If 60th calendar day falls on a weekend or holiday, the following business day will be used to qualify for the promotions. If the account is closed by the customer or bank within 90 business days after opening, a $25.00 account closing fee may apply. Bonus Payment: All bonus dollars will be paid to the newly opened Platinum Checking account. All bonus dollars will be paid in December 2023 and completed by December 30th, if the qualification requirements are met, and will be deposited into the new checking account. Closing the account before bonus payout will negate any unearned or unpaid bonuses. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. Limit one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: Offer expires September 22, 2023. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current First Bank and Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a First Bank and Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Illinois Bank & Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening an Illinois Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Minnesota Bank & Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Minnesota Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current NewMexico Bank &Trust consumer checking account owner. (2) You have received a bonus for opening a NewMexico Bank &Trust consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 60 calendar days after the account open date. To receive a $300.00 bonus, you must have 2 direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 60 calendar days of account opening. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. If 60th calendar day falls on a weekend or holiday, the following business day will be used to qualify for the promotions. If the account is closed by the customer or bank within 90 business days after opening, a $25.00 account closing fee may apply. Bonus Payment: All bonus dollars will be paid to the newly opened Platinum Checking account. All bonus dollars will be paid in November 2023 and completed by November 30th, if the qualification requirements are met, and will be deposited into the new checking account. Closing the account before bonus payout will negate any unearned or unpaid bonuses. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. Limit one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: Offer expires August 4, 2023. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Premier Valley Bank, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Premier Valley Bank, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Rocky Mountain Bank consumer checking account owner. (2) You have received a bonus for opening a Rocky Mountain Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 60 calendar days after the account open date. To receive a $300.00 bonus, you must have 2 direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 60 calendar days of account opening. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. If 60th calendar day falls on a weekend or holiday, the following business day will be used to qualify for the promotions. If the account is closed by the customer or bank within 90 business days after opening, a $25.00 account closing fee may apply. Bonus Payment: All bonus dollars will be paid to the newly opened Platinum Checking account. All bonus dollars will be paid in October 2023 and completed by October 30th, if the qualification requirements are met, and will be deposited into the new checking account. Closing the account before bonus payout will negate any unearned or unpaid bonuses. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. Limit one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: Offer expires June 30, 2023. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Illinois Bank & Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Illinois Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. If 90th calendar day falls on a weekend or holiday, the following business day will be used to qualify for the promotions. 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 $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 06/01/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 0.80% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 0.80%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

3Apple Pay and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google App Store and the Google Pay logo are trademarks of Google, LLC.

4If you elect to participate in GenGold, the membership fee is $5 each month after the first 90 days.