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We offer enhanced and simple checking account solutions to choose from, each designed to suit your individual needs. Have access to your money on a daily basis for every day needs. Each account makes banking easier and includes:

  • A Large ATM network
  • Online Banking
  • E-statements
  • FinanceWorks, makes it easier to monitor your Cash-flow
  • TeleBanking

Experience Checking

We know that you deserve more than a simple lifestyle advantage, you deserve The Elgin Experience at Elgin State Bank. The Elgin Experience is your key to a better way of life. 

  • To become a member, you must be age 50 or better.
  • Open and maintain an Elgin Experience Checking Account (Account requires a minimum deposit of $100 to open)
  • Maintain a total balance relationship of:

        $2,500.00 for individual membership*

        $4,000.00 for joint membership*

*Can include any other deposit account(s)

Best of all, we require that you enjoy life and enjoy your membership. We encourage you to share your opinions, wants and needs with our friendly staff.

Free Checking

An unlimited, no charge check writing plan. The minimum to open is $100 with no minimum balance required. Benefits include:

  • Free On-Line Banking & Bill Pay
  • A line of credit for overdraft protection (subject to credit approval)
  • No minimum balance fees and an ATM/Debit Card with no annual fee

Total Access Checking

This account has free1 ATM transactions! The minimum to open is $100 with no minimum balance required. Benefits include:

  • Free On-Line Banking & Bill Pay
  • A line of credit for overdraft protection (subject to credit approval)
  • No minimum balance fees
  • Free first order of specialty checks
  • An ATM/Debit Card with no annual fee

1 The bank does not charge its customers a monthly card usage fee. There’s no transaction charge at any ATM in the Money Pass or Sum surcharge - free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1% International Service fee charged by MasterCard for certain foreign transactions conducted outside the continental United States.