Checking Accounts

All Accounts Receive the Following Free

  • Online Banking
  • Telephone Banking (SMARTLINE)
  • Bank-by-Mail
  • Direct Deposit
  • Bill Pay
  • E-Statement

Penny Wise*

  • Free checking customized for the low-transaction customer. No balance requirement and no service fee if you have less than 30 checks per month. (A $6.00 service fee is charged if you have over 30 checks and a $5 fee for paper statement.

Personal*

  • Free checking if you maintain a minimum balance of $300. (A $5.00 service fee is charged if your balance falls below $300).
  • Unlimited transaction privilege and your statement can be combined with your other accounts.
  • A Personal Credit Line (PCL) may be attached to your account to avoid being overdrawn. (Available if qualified).

Student & Senior (Free)*

  • Byron Bank knows there are times in your life when less cash is available. We offer free checking to students under 23 years of age and to those seniors over 60 years of age.
  • Personal checking required.

Not-For-Profit (Free)*

  • If your organization is a not-for-profit and is set up to help others, Byron Bank will give your group free checking. We are very community minded and hope this helps your church or group make the most of your extra money. Remind your members of this service when they are choosing a personal bank or are investing your organization’s money.
  • Personal checking required.

Money Market*

  • A combined checking and savings account that lets you earn a higher interest rate, but keeps your funds available for easy access. A good stepping stone for saving to invest.
  • You are limited to six withdrawals including checks per month that are free, and you have unlimited withdrawals at the bank.
  • The rate structure is set up based on three tiers:
    • $2,500 to $24,999
    • $25,000 to $99,999
    • $100,000 and over
  • Your interest rate will be higher the more money you have on deposit. There will be a $9 fee if your minimum balance falls below $2,500.

Now or Super Now Checking*

Receive interest on your money while it is still available for unlimited check writing. Additionally, Super Now account holders receive free checks, a 3×5 safe deposit box and money orders and cashiers checks with no fee.
Now accounts need to maintain a minimum balance of $1,000 and Super Now accounts must maintain a minimum balance of $2,500.

  • There will be a $7 fee for Now or a $10 fee for Super Now Accounts if your balance falls below the minimum required.
  • A Personal Credit Line (PCL) may be attached to your account to avoid being overdrawn. (Available if qualified).

 

 

 

*Please ask for full account disclosure.