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!

Summary

  • Earn 0.89% APY*
  • 0.05% APY if qualifications aren't met
  • Domestic ATM fee refunds up to $20 per statement cycle**
  • Unlimited check writing
  • No monthly fees
  • No minimum balance
  • Free Debit card
  • Free online banking with bill pay
  • Free e-Statements
  • Free text message banking
  • Direct deposit available
  • FDIC insured

*APY = Annual Percentage Yield

Qualifications:

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 (ACH) or direct deposit (ACH) post and settle
  • Be enrolled and receive eStatement notices

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.

Disclaimer:

*APY= Annual Percentage Yield. Minimum to open account is $1. *Annual Percentage Yield (APY) accurate as of 04/01/2018. 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. Interest earned is credited to the account on the last day of the monthly statement cycle.

The interest rate and annual percentage yield may change without notice 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. **Domestic ATM Fee reimbursements up to $20 ($2 per single transaction) provided if qualifications are met within the monthly qualification cycle. Limit one Forward Checking account per Social Security Number. The disclosed Forward Checking APY is based on compounding interest. The interest earned in Forward Checking with Forward Savings are automatically transferred to Forward Savings each statement cycle and do not compound. This will result in a blended rate of .89% to 1.01% if qualifications are met and a rate of .05% when qualifications are not met.

 

PSB Checking

This account does everything you need. Write checks, access accounts using your debit card, pay bills online, and much more.

Summary

  • Unlimited check writing
  • No minimum balance requirements
  • Free Debit/ATM card
  • Free online banking with bill pay
  • Free check imaging
  • Direct deposit available
  • FDIC insured
  • Monthly maintenance fee of $6.00
  • Monthly fee waived if you sign up to receive Electronic Statements
  • Open your account with as little as $50.00

NOW Checking Account

Earn interest without sacrificing liquidity with a NOW Checking account from PSB. This account offers you a good return on your money and allows you to write checks on your money at the same time.

Summary

  • Interest bearing account
  • Interest compounded monthly
  • 30 free checks per statement cycle ($0.20 each thereafter)
  • No monthly statement fees if your average balance is $1,000 or greater
  • Free Debit/ATM card
  • Free online banking with bill pay
  • Free e-Statements
  • Free check imaging
  • Direct deposit available
  • FDIC insured
  • $1,000 deposit to open

Super NOW Checking Account

If you maintain a balance over $1,500, you can get a higher return on your money with the Super NOW Checking Account.

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