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 Balance to Open
- $100.00
- Minimum Balance to Earn Interest
- N/A
- Withdrawal Limitations
- N/A
- Minimum Balance to Avoid Service Charge
- 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 Balance to Open
- $100.00
- Minimum Balance to Earn Interest
- Compounded and credited monthly. $0.01 required to earn interest
- Withdrawal Limitations
- N/A
- Minimum Balance to Avoid Service Charge
- $300.00 to avoid a monthly service fee | 60 day grace period to hit minimum balance requirements | $5.00 Monthly Service Fee if balance falls below $300.00
- 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 and cashier checks.
- Minimum Balance to Open
- $100.00
- Minimum Balance to Earn Interest
- Compounded and credited monthly. $2,500.00 required to earn interest
- Withdrawal Limitations
- N/A
- Minimum Balance to Avoid Service Charge
- $2,500.00 Minimum Balance to avoid a monthly service fee | 60 day grace period to hit minimum balance requirements | $10.00 Monthly Service Fee if balance falls below $2,500.00
- 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 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 Balance to Open
- $25,000.00
- Minimum Balance to Earn Interest
- Compounded and credited monthly. $25,000.00 required to earn interest
- Withdrawal Limitations
- N/A
- Minimum Balance to Avoid Service Charge
- $25,000.00 Minimum Balance to avoid a monthly service fee and earn interest | $10.00 Monthly Service Fee if balance falls below $25,000.00
- 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 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 Balance to Open
- $100.00
- Minimum Balance to Earn Interest
- Two-tiered rate structure credited and compounded monthly
- Withdrawal Limitations
- N/A
- Minimum Balance to Avoid Service Charge
- $100.00 Minimum Balance to avoid a monthly service fee | $2.00 Monthly Service Fee if balance falls below $100.00
- 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. 3.00% Interest Rate, (3.04% APY) paid on balances between $0.01-$25,000 when the minimum qualifications are met; 0.10% Interest Rate, (1.90% APY-3.04% 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% Interest Rate, (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 a daily balance of no less than $300 each day of the statement cycle after the 60-day grace period to avoid a $5.00 service charge. 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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