Bank on Illinois


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