Welcome to Bank On Illinois
The goal of Bank On Illinois is to ensure that residents have access to a safe and affordable bank or credit union account. Bank On Illinois is a collaborative initiative between the State of Illinois, community organizations and financial institutions. All partners in the coalition are committed to improving the financial stability of Illinois residents.
Through Bank On Illinois you can find an affordable bank or credit union account now that will help you get your unemployment and other emergency benefits faster, and more safely. Prepaid cards may charge fees for using ATMs or accessing customer service and will not allow you to load cash or other payments onto the card so you can keep your money all in one place.
Explore the grid below to identify the right account for you.
The following products are certified by Bank On as safe, affordable and reliable. When choosing your financial institution, it might be important to you to consider locations of branches and ATMs to avoid out of network costs. None of these accounts charge overdraft fees, most have low or waivable monthly charges, and all provide free online banking.
Compare the features below to determine which account will most effectively meet your needs.
|Financial Institution||Account Name||Monthly Fee||Minimum Opening Deposit||Minimum Balance Requirement||Nonbank ATM Fee||Overdraft Fee||Paper Checks||Online Checks|
|Ally Bank||Interest Checking Account||$0.00||$0.00||No||Varies- There is a $10 reimbursement for nonbank atm fees during each statement cycle||No||Yes||Yes|
|American Bank & Trust||Edge Checking||$0.00||$0.00||No||$2||No||No||Yes|
|BancorpSouth||Budget Smart Checking||$5.00||$25.00||No||$2.00||No||Yes||Yes|
|Bank of America||Advantage SafeBalance Banking||$4.95 - waived if enrolled in Preferrred Rewards or under 24||$25.00||No||$2.50||No||No||Yes|
|BMO Harris Bank||Smart Money Account||$5 - wavied if under 25 years of age||$25.00||No||$3.00||No||Yes||Yes|
|Carrollton Bank||Basic Banking Account||$5.00||$25.00||No||$0.00||No||No||Yes|
|Cathay Bank||Community Checking||$0.00||$10.00||No||$0.00||No||No||Yes|
|CBI Bank & Trust||Bank On Checking||$5.00||$25.00||No||$0.00||No||No||Yes|
|Chase Bank||Secure Banking||$5.00||$0.00||No||$2.50||No||No||Yes|
|CIBC||EasyPath Access Account||$0.00||$0.00||No||$3.00||No||No||Yes|
|Citi||Access Account||$10.00 - waived with Direct Deposit or Online Bill Pay||$0.00||No||$2.50||No||No||Yes|
|Discover Bank||Cashback Debit Checking Account||$0.00||$0.00||No||$0.00||No||Yes||Yes|
|F & M Bank||Bank On Checking||$5.00||$25.00||No||$0.00||No||No||Yes|
|Fifth Third Bank||Express Banking||$0.00||$0.00||No||$3.00||No||Yes||Yes|
|First Bank||Thrive Checking Account||$9.95 - waived with 2 debit transactions per month||$25.00||No||$2.50||No||No||Yes|
|First Farmers Bank & Trust||First Farmers Bank & Trust Foundation Checking||$3.00||$25.00||No||Varies||No||Yes||No|
|First Financial Bank||NoWorry Checking||$5.00||$0.00||No||$0.00||No||Yes||Yes|
|First Midwest Bank||First Midwest Bank Foundation Checking||$0.00||$25.00||No||$3.00||No||Yes||No|
|First National Bank of Omaha||Access Debit Account||$4.00||$0.00||No||$0.00||No||No||Yes|
|FNBC Bank & Trust||FNBC eChecking||$0.00||$25.00||No||$0.00||No||No||Yes|
|Great Lakes Credit Union||Fresh Checking||$5.00||$25.00||No||$0.00||No||No||Yes|
|Merchants and Manufacturers Bank||Green Choice Checking Account||$5.00||No||No||$0.00||No||No||Yes|
|Old National Bank||EZ Access Account||$4.95||$10.00||No||$0.00||No||No||Yes|
|PNC Bank||PNC Foundation Checking||$5.00||$25.00||No||$3.00||No||No||Yes|
|PNC Bank||Smart Access Account||$5.00||$0.00||No||$3.00||No||No||Yes|
|Providence Bank & Trust||Neighborhood Connect||$7.95 waived with direct deposit or one POS transaction||$25.00||No||$2.00||No||No||Yes|
|Regions Bank||Regions Now Checking Account||$5.00||$10.00||No||Varies||No||Yes||Yes|
|Self-Help Federal Credit Union||Access Checking Account||$5.00 - waived with $500 Monthly Direct Deposit or for under 24 or over 65||$0.00||No||$0.00||No||No||Yes|
|Simmons Bank||Simmons Bank Affordable Advantage Checking Account||$5.00||$25.00||No||Varies||No||No||Yes|
|U.S. Bank||Safe Debit Account||$4.95||$25.00||No||$2.50||No||No||Yes|
|Wells Fargo Bank||Clear Access Banking||$5.00 - waived for under 24||$25.00||No||$2.50||No||No||Yes|
|Wintrust Community Banks||Money Smart Checking||$0.00||$0.00||No||$3.00||No||Yes||Yes|