We know customers look for checking accounts with just the right features. With Banterra Bank, we offer account options with features that range from earning interest, preventing identity theft to basic essentials or offering a fresh start. The best part, each account includes digital banking and you can open checking accounts online anytime or simply visit a Banterra Banking Center.
Each of our traditional checking accounts include features to fit your needs. These features are not included on all specialized accounts.
Digital Banking
Digital BankingBanterra Visa® Debit Card
Digital BankingE-Statements
E-StatementsBill Pay
Digital BankingMobile Check Deposit
Mobile Check DepositPerson-to-person (P2P) Pay
Manage AccountsBanterra Green Checking
This account is for customers looking to be environmentally responsible through paperless practices like using your debit card for purchases and utilizing online banking.
Minimum Requirements
Features
Additional Benefits
Banterra SmartChoice Checking
This account offers benefits that include protection against identity fraud as well as cellular phone coverage in case your phone is lost or stolen, all for a low monthly fee.
Minimum Requirements
Features
Additional Benefits
IDProtect® service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
Cell phone coverage: Please refer to Guide to Benefit for additional details regarding eligibility, terms and exclusions.
ATM includes both automated teller machines and interactive teller machines.
Banterra InterestPlus Checking
You want a checking account that provides interest on the money in your account, perks for maintaining a larger balance and a way to avoid a monthly fee.
Minimum Requirements
Features
Additional Benefits
* $2,500 minimum balance in the account each day to earn interest.
ATM includes both automated teller machines and interactive teller machines.
Banterra also offers checking accounts that go beyond what you may find in more traditional accounts. If you need a more specialized account for your checking needs, Banterra has options for you including:
Private Banking Checking
At Banterra, we understand that success often translates to a busy schedule, and we’re here to help you with the challenges that may come with this. That’s why we offer Banterra Private Banking - a suite of products and services including checking that is exclusive to private banking customers, combined with a dedicated Banterra Private Banking Representative to personally help you manage your finance and banking needs. This service is currently available in our Indiana region; contact your local branch to learn more.
Company Employee Checking
Your company or university may have a special offering designed just for you and your co-workers. If your HR department has provided you with information promoting this Banterra offering, simply contact your local Banterra branch to learn more and to open an account.
Banterra Restart Checking
If you need to get your finances restarted after some financial difficulties, Banterra Restart Checking is the perfect option. This account offers features that allow you to gain control of your finance. In addition to no minimum balance requirements, enjoy free access to Banterra Digital Banking services1, Banterra Visa® Debit Card ($750 merchandise limit and $300 cash limit per day), unlimited ATM/ITM2 transactions (free at Banterra machines) and unlimited check writing.
1Bill Pay, Person-To-Person (P2P) Pay, and Mobile Check Deposit are not included with Digital Banking services. 2ATM includes both automated teller machines and interactive teller machines.
Banterra Restart Basic
If you're looking for a more basic way to restart your finances, take a look at the Banterra Restart Basic account. It offers all the features of the Banterra Restart Checking account except unlimited check writing. Banterra Restart accounts can be transitioned to other checking options as long as your account is in good standing.
Banterra is a proud supporter of Southern Illinois University and offers two Saluki checking accounts geared towards Saluki fans and students.
Banterra Saluki Student Checking
1 Student account is only available to customers 25 years or younger. At age 26, this account will be converted to Saluki Interest Checking and must meet the normal criteria in order to avoid monthly fee.
2 ATM fees charged by owners/operators of non-Banterra ATMs will be reimbursed on up to eight(8) non-Banterra ATM transactions, or up to $25 per statement cycle. ATM includes both automated teller machines and interactive teller machines.
3 Overdraft fees will be avoided by Banterra automatically declining any withdrawal or purchase that would be a result in insufficient funds to your account. Customers who prefer to not have these transactions declined can link their account to a Banterra Overdraft Protection funding account; certain restrictions apply.
4 Banterra-SIU Scholarship Fund is facilitated by SIU. To apply or learn more, go to www.scholarships.siu.edu.
5 For complete details on unique Saluki fan experiences, ticket offers and discounts at SIU Athletic Events, go to www.siusalukis.com.
6 Saluki checks and other check designs are available, prices vary per style.
Banterra Saluki Interest Checking
* $1,000 minimum balance in the account each day to earn interest.
1 If one of the following items are maintained, a monthly fee of $10 will not be charged: (1)$2,500 minimum daily balance in this account; (2) $5,000 combined average balance in this account, identified checking, savings & money markets, or minimum balance in certificate of deposit (CD) and/or IRAs. The CD minimum balance equals the current balance at the beginning of each statement period; (3) A monthly direct deposit of at least $200 or higher is deposited to this account. Direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government and must be $200 or higher.
2 ATM fees charged by owners/operators of non-Banterra ATMs will be reimbursed on up to eight(8) non-Banterra ATM transactions, or up to $25 per statement cycle. ATM includes both automated teller machines and interactive teller machines.
3 Banterra-SIU Scholarship Fund is facilitated by SIU. To apply or learn more, go to www.scholarships.siu.edu.
4 For complete details on unique Saluki fan experiences, ticket offers and discounts at SIU Athletic Events, go to www.siusalukis.com.
5 Saluki checks and other check designs are available, prices vary per style.
Banterra SmartChoice | Banterra InterestPlus | Banterra Green | Banterra Restart Banking | |
---|---|---|---|---|
ID Protect® | Checkmark Icon | |||
Cellular Phone Protection | Checkmark Icon | |||
Interest Bearing | Checkmark Icon | |||
Free Visa® Debit Card | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon $750 merchandise limit and $300 cash limit per day |
Free Digital Banking including online and mobile with easy-to-use iPad & SmartPhone Apps | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon Mobile Check Deposit and Person-To-Person (P2P) Pay not available |
Free Online Bill Pay | Checkmark Icon | Checkmark Icon | Checkmark Icon | |
Free Online Statements | Checkmark Icon * |
Checkmark Icon | Checkmark Icon * |
Checkmark Icon * |
Free Foreign ATM Transactions | No Banterra fee on up to eight (8) non-Banterra ATM transactions per statement cycle; other financial institution fees may apply. | |||
Free Personalized Checks | 50% off first box of checks | First box of standard checks free; 50% off future orders | ||
Additional Benefits | Free paper statements, free cashier's checks and money orders, $200 discount on Banterra mortgage closing costs | Banterra Restart Checking includes unlimited check writing; not included with Banterra Restart Basic. | ||
Minimum Opening Balance | $100 | $1,000 | $100 | $50 |
Minimum Balance | None | $2,500 minimum balance in the account each day to earn interest | None | None |
Monthly Fee | $5 | $15 | $5 | $9.95* ($6.95 with direct deposit) |
Can Monthly Fee Be Avoided? | No | Yes | Yes | No |
How Can Monthly Fee Be Avoided? | N/A | $5,000 minimum daily balance is maintained in this account or $20,000 combined average balance in this account, identified checking, savings & money markets, or minimum balance in certificate of deposit (CD). The CD minimum balance equals the current balance at the beginning of each statement period. | Option 1 - $500 daily balance is maintained in this account
Option 2 - A combined average balance in this account, identified checking, savings and money markets, or minimum balance in certificate of deposit (CD) and/or IRAs. The CD minimum balance equals the current balance at the beginning of each statement period. Option 3 - Two direct deposits are made per statement cycle Option 4 - Eight (8) Banterra Visa® Debit Card purchases are made per cycle. Option 5 - Account holder is military (with proof of military status) Option 6 - Account holder is a student (age 24 or younger with proof of student status) Option 7 - Primary or secondary account holder is age 60 or over |
N/A |
ID Protect® | Cellular Phone Protection | Interest Bearing | Free Visa® Debit Card | Free Digital Banking including online and mobile with easy-to-use iPad & SmartPhone Apps | Free Online Bill Pay | Free Online Statements | Free Foreign ATM Transactions | Free Personalized Checks | Additional Benefits | Minimum Opening Balance | Minimum Balance | Monthly Fee | Can Monthly Fee Be Avoided? | How Can Monthly Fee Be Avoided? | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Banterra SmartChoice | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon * |
50% off first box of checks | $100 | None | $5 | No | N/A | |||
Banterra InterestPlus | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon | No Banterra fee on up to eight (8) non-Banterra ATM transactions per statement cycle; other financial institution fees may apply. | First box of standard checks free; 50% off future orders | Free paper statements, free cashier's checks and money orders, $200 discount on Banterra mortgage closing costs | $1,000 | $2,500 minimum balance in the account each day to earn interest | $15 | Yes | $5,000 minimum daily balance is maintained in this account or $20,000 combined average balance in this account, identified checking, savings & money markets, or minimum balance in certificate of deposit (CD). The CD minimum balance equals the current balance at the beginning of each statement period. | ||
Banterra Green | Checkmark Icon | Checkmark Icon | Checkmark Icon | Checkmark Icon * |
$100 | None | $5 | Yes | Option 1 - $500 daily balance is maintained in this account
Option 2 - A combined average balance in this account, identified checking, savings and money markets, or minimum balance in certificate of deposit (CD) and/or IRAs. The CD minimum balance equals the current balance at the beginning of each statement period. Option 3 - Two direct deposits are made per statement cycle Option 4 - Eight (8) Banterra Visa® Debit Card purchases are made per cycle. Option 5 - Account holder is military (with proof of military status) Option 6 - Account holder is a student (age 24 or younger with proof of student status) Option 7 - Primary or secondary account holder is age 60 or over |
||||||
Banterra Restart Banking | Checkmark Icon $750 merchandise limit and $300 cash limit per day |
Checkmark Icon Mobile Check Deposit and Person-To-Person (P2P) Pay not available |
Checkmark Icon | Checkmark Icon * |
Banterra Restart Checking includes unlimited check writing; not included with Banterra Restart Basic. | $9.95* ($6.95 with direct deposit) |
*Additional $1 fee for requested paper statements if you elect to use Digital Banking.