0fc0d91beb96451e9f3a66dbb15e0dc0.jpg?sfvrsn=82569cc5_0 "Personal Checking at Better Banks")
Personal Checking
Stay local with Better Banks.
All of our checking accounts offer convenient digital banking tools so you can bank securely anytime, anywhere. Explore our checking account solutions and choose the account that’s right for you.
-
Free Digital Banking
-
Over 40,000 Surcharge-Free ATMs
-
Customized Alerts
Find a better account for you.
Better Interest
Our Better Interest account earns up to 2.00% APY1 on balances up to $10,000. There's no minimum balance3 or monthly fees either. You work hard for your money, and you should have a checking account that works hard for you.
Simply Better
Our Simply Better account offers the basics. There are no complicated requirements, no minimum balance, and you can reduce trips to the bank with our free online and mobile banking services. This new account is Simply Better!
Student Rewards
Get rewarded for everyday banking with our Student Rewards account. Start on the right financial path by learning smart money management... and earn cashback rewards while you learn. There's no minimum balance or monthly fees either.
-
Davee - Bartonville, ILThe experience was fantastic, as I am at the beginning of my life financially speaking, I did not feel judged or rejected. The manager welcomed me, made me feel like the sky is the limit. I'm excited to be part of the Bartonville Better Banks family!!
Account Protection, so you can spend your money with confidence.
-
Early Payday
Get access to your direct deposit up to two days early with Early Payday.
-
Bounce Protection
This free overdraft service covers any overdrafts as long as your account is in good standing.
-
Account Alerts
Receive custom, real-time alerts. In Digital Banking, choose Card Management to get started.
DISCLOSURES: 1Annual Percentage Yield (APY) accurate as of July 15, 2026. The minimum to open an account is $100. Rate tiers are as follows: 2.00% APY applies to balances of $.01 - $10,000, and .15% APY applies to balances over $10,000 as long as qualifications are met each statement cycle. 0.03% APY applies to all balances if qualifications are not met. All balances will earn between 2.00% - .15% APY as long as qualifications are met. Rates may change after the account is opened. 2ATM fee refunds up to $10 per cycle when qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account and earn interest at the non-qualifying rate; however, it will not receive ATM refunds. Qualifications are as follows: 1) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle, 2) Receive eStatements each qualification cycle, and 3) Have at least 1 Direct Deposit or ACH Auto Debit post and settle per qualification cycle. 3No minimum balance required. No monthly service charge. Available to personal accounts only; only one account per Social Security number. Certain restrictions may apply.
