Forward thinking. Forward banking.

Forward Checking

Forward Checking

It's free checking that revolves around you. Earn 0.89% APY* with no minimum balance or monthly fee. We even refund ATM fees--not just in Peoria, Princeville, or even throughout the Midwest, but nationwide!


Make the most out of your money today!

  • Earn 0.89% APY*
  • Domestic ATM fee refunds up to $20 per statement cycle**
  • Unlimited check writing
  • No monthly fees
  • No minimum balance
  • Free Visa® debit card
  • Free online banking with bill pay
  • Free e-Statements
  • Free text message banking
  • Direct deposit available
  • FDIC insured
  • For Illinois residents only

*APY = Annual Percentage Yield


To receive 0.89% APY* on your entire Forward Checking balance, simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic payment or direct deposit post and settle
  • Receive and review e-Statements

If you don't qualify during a cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. Plus you get a base rate of 0.05% APY* and you get right back to making 0.89% APY* and enjoying domestic ATM fee refunds** the next cycle you qualify. Monthly qualification cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.


Minimum to open account is $1. *Annual Percentage Yield (APY) accurate as of 5/15/13. 0.89% APY applies to all balances if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.89% APY if monthly qualifications are met. Interest earned is credited to the account on the last day of the monthly statement cycle.

Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Intra-bank transfers and ATM transactions do not count as qualifying transactions. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. Intra‚Äźbank transfers do not count as qualifying transactions. **Domestic ATM Fee reimbursements up to $20 ($2 per single transaction) provided if qualifications are met within the monthly qualification cycle.