Checking Accounts to Fit Your Lifestyle
Checking Accounts
It is all about choices!
Our variety of personal checking accounts are built to help you manage your money conveniently, efficiently and affordably.
Aspire Checking*
This account is perfect for students and customers with basic checking needs. Aspire customers may also enroll in our special Savings Builder service and start saving regularly.
- Minimum to open
- $100.00
- Minimum Balance
- N/A
- Withdrawal Limitations
- N/A
- Monthly Service Fee
- N/A
- Earned Interest
- N/A
- Visa Debit/ATM Card
Card replacement $10.00
ATM, Non Byron Bank $1.00
- Statements
No Monthly Fee with E-Statement
Paper statement $5.00- Extras
- N/A
- Additional Information
- Unlimited deposits and debit card/ATM card usage
- Added Features
- Free Online Banking, Mobile Banking, E-Statements
- Description
- A checking account perfect for students and customers with basic checking needs.
Progressive Checking*
This account is designed for people who prefer digital banking. By enrolling in an ACH auto debit or direct deposit, E-Statements and making at least 12 debit card transactions per statement cycle, customers will enjoy up to $20 in refunded ATM fees per statement cycle and earn 3.04% APY on balances up to $25,000**.
- Minimum to open
- $100.00
- Minimum Balance
- $300.00 to avoid a monthly service fee | 60 day grace period to hit minimum balance requirements
- Withdrawal Limitations
- N/A
- Monthly Service Fee
- $5.00 if balance falls below $300.00
- Earned Interest
- Compounded and credited monthly. $0.01 required to earn interest
- Visa Debit/ATM Card
Card replacement $10.00
ATM, Non Byron Bank $1.00
- Statements
No Monthly Fee with E-Statement
Paper statement $5.00- Extras
- By enrolling in an ACH auto debit or direct deposit, E-Statements and making at least 12 debit card transactions per month, customers will enjoy up to $20 in refunded ATM fees each month and earn 3.04% APY on balances up to $25,000**.
- Additional Information
- Unlimited deposits and debit card/ATM card usage
- Added Features
- Free Online Banking, Mobile Banking, E-Statements
- Description
- This account is designed for people who prefer digital banking.
Dynamic Checking*
This account is offered as an interest earning checking option for our customers. Plus, a fee waiver on safe deposit boxes, cashier checks and money orders.
- Minimum to open
- $100.00
- Minimum Balance
- $2,500.00 to avoid a monthly service fee | 60 day grace period to hit minimum balance requirements
- Withdrawal Limitations
- N/A
- Monthly Service Fee
- $10.00 if balance falls below $2,500.00
- Earned Interest
- Compounded and credited monthly. $2,500.00 required to earn interest
- Visa Debit/ATM Card
Card replacement $10.00
ATM, Non Byron Bank $1.00
- Statements
No Monthly Fee with E-Statement
Paper statement $5.00- Extras
- Fee waiver on 3x5 safe deposit boxes, cashier checks and money orders and 1 free box of checks per year.
- Additional Information
- Unlimited deposits and debit card/ATM card usage
- Added Features
- Free Online Banking, Mobile Banking, E-Statements
- Description
- This account is offered as an interest earning checking option for our customers.
Advantage Checking*
Take advantage of earning interest with this higher balance checking account that offers unlimited check writing for easy access to funds when you need it.
- Minimum to open
- $25,000.00
- Minimum Balance
- $25,000.00 to avoid a monthly service fee and earn interest
- Withdrawal Limitations
- N/A
- Monthly Service Fee
- $10.00 if balance falls below $25,000.00
- Earned Interest
- Compounded and credited monthly. $25,000.00 required to earn interest
- Visa Debit/ATM Card
Card replacement $10.00
ATM, Non Byron Bank $1.00
- Statements
E-Statement or paper statement free.
- Extras
- Fee waiver on 3x5 safe deposit boxes, cashier checks and money orders and 1 free box of checks per year.
- Additional Information
- Unlimited deposits and debit card/ATM card usage
- Added Features
- Free Online Banking, Mobile Banking, E-Statements
- Description
- An interest-bearing checking account with unlimited check writing
Health Savings Account*
Establishing a Byron Bank HSA will give you every opportunity for future savings on healthcare expenses. A Byron Bank HSA will allow you to make contributions with pre-tax dollars, take tax-free and penalty-free distributions for any qualified medical expenses, and the balance in your account will continue to grow with tax-free earnings. An HSA debit card and HSA checks are available for easy withdrawal of funds and purchases of qualifying expenses.
- Minimum to open
- $100.00
- Minimum Balance
- $100.00 to avoid a monthly service fee
- Withdrawal Limitations
- N/A
- Monthly Service Fee
- $2.00 if balance falls below $100.00
- Earned Interest
- Two-tiered rate structure credited and compounded monthly
- Visa Debit/ATM Card
Free HSA debit card
Checks available for purchase
ATM, Non Byron Bank $1.00
- Statements
Transcript statement provided quarterly
- Extras
- Additional Information
- High deductible health plan required. See Byron Bank CSR for additional requirements and information
- Description
- A Byron Bank HSA will give you every opportunity for future savings on healthcare expenses.
*Full Disclosure provided prior to account opening and upon request.
**Minimum qualifications to earn 3.04% Annual Percentage Yield (APY) and up to $20 in refunded ATM fees are ACH auto debit or direct deposit, sign up for E-Statements and make at least 12 debit card transactions per statement cycle. 3.04% APY paid on balances between $0.01-$25,0000; 0.10% APY paid on balances $25,000.01 and above each statement cycle when the minimum qualifications are met. If qualifications are not met, 0.10% APY is paid on full balance and ATM fees are not refunded. A minimum deposit of $100 is required to open this account. Account must maintain an average balance of $300 per statement cycle to avoid $5.00 fee. There is a 60-day grace period to hit minimum balance requirements. Rates are effective June 1, 2023. Interest rate and APY may change at any time after the account is opened. Debit card purchases must post to the account during the statement cycle. Fees could reduce earnings. Member FDIC. Equal Housing Lender. Full disclosure provided prior to account opening or upon request.
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