Personal Banking

As much as our world has changed, there are some things that never will — like your commitment to family. At Central Illinois Bank, we understand that commitment. We keep things simple so you can focus on the things that are important to you. We offer products and services that help you create the life you want. We use technologies that help protect your assets, your privacy, and your security, and we do this without ever losing our focus — you.

  • Personal Checking Accounts

CHECKING ACCOUNTS

Free Checking Account

In a world where it seems there is a price to pay for everything, we are pleased to offer you something for free.
•  Minimum to open: $100
•  Monthly service charge: None
•  Minimum balance: None
•  No teller-assisted transaction fees
•  Unlimited check writing privileges
•  Free variety pack of checks
•  Free online banking with bill-pay and eStatements
•  Free telephone banking
•  Free FlashPoint debit card and access to thousands of surcharge free ATMs world-wide

Alternative Checking
We have a solution for those who've experienced difficulty opening a checking account at other banks. Consider this alternative which may allow you to open a checking account while starting on your path to improving your financial standing. 
•  Minimum to open: $100
•  Monthly service charge: $10
•  No teller-assisted transaction fees
•  Unlimited check writing privileges
•  Free online banking with bill-pay and eStatements
•  Free telephone banking
•  Free variety pack of checks
•  Direct deposit required
•  Successful completion of free Checking Account Education course offered by Central Illinois Bank required

Money 101
We offer an account designed specifically for our customers who are currently completing their college education.
•  Minimum to open: $101.00
•  No monthly service charge for 4 years from the date the account is opened
•  No teller-assisted transaction fees
•  Unlimited check writing privileges
•  Free variety pack of checks
•  Free online banking with bill-pay and eStatements
•  Free telephone banking
•  Free FlashPoint debit card and access to thousands of surcharge free ATMs world-wide

Personal NOW Account
Earn a variable rate of interest on your checking account and enjoy the benefit of no monthly service charges when you maintain the minimum balance requirements.
•  Minimum opening deposit $100
•  Interest is earned on collected balance, compounded daily and paid to the account monthly
•  Minimum balance: $500 or average daily balance of $1,000
•  Monthly service charge (if minimum balance requirements are not maintained): $7
•  Unlimited check writing privileges
•  Free variety pack of checks
•  Free online banking with bill-pay and eStatements
•  Free telephone banking
•  Free FlashPoint debit card with access to thousands of surcharge free ATM terminals world-wide

•  Variable rate tiered account

DIRECT DEPOSIT

For your convenience, Central Illinois Bank will help you establish the direct deposit of your payroll, retirement, or social security check so you won’t need to wait for the mail to have access to your funds.

For more information, contact a Personal Banker. Click here for locations.