Checking

Banterra 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

• $100 minimum opening deposit.
• No minimum balance requirement.

Features

• Promotes a green environment through paperless practices.
• Option of no monthly fee ($5 monthly fee can be avoided by doing one of the following):
  • $500 daily balance is maintained.
  • A combined average balance of $2,500 is maintained with identified checking, savings, money market, or minimum daily balance in CDs and/or IRAs.
  • Two (2) direct deposits are made per statement cycle.
  • Eight (8) Banterra Visa^® Debit Card purchases are made per statement cycle.
  • Account holder is military, including active duty, reserves, or veterans (with proof of military status).
  • Account holder is a student. (age 24 or younger with proof of student status)
  • Primary or secondary account holder is age 60 or over.

Additional Benefits

• Banterra Digital Banking including online and mobile.
• Free online statements. Paper statements available upon request for a $1 monthly fee.
• Free Bill Pay.
• Options for helpful account transfer services.

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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

• $100 minimum opening deposit.
• No minimum balance requirement.
• $6 monthly fee.

Features

• IDProtect^® – Identity Theft Monitoring and Resolution Service¹.  Help better protect yourself and your joint account owners with our identity theft monitoring and resolution service that includes credit file monitoring, access to credit report and scores², monitoring of over 1,000 public databases, identity theft expense reimbursement³, fully managed resolution services, and more including:
  • Credit Score Tracker.^2,4
  • Dark Web Monitoring (registration/activation required).
  • Financial Wellness 360°.
• Cellular PhoneCoverage³ – Receive up to $800 of replacement or repair costs if your eligible cell phones are stolen or damaged (bill must be paid through eligible account).

Additional Benefits

• Banterra Digital Banking including online and mobile with easy-to-use tablet and smartphone apps.
• Free online statements. Paper statements available upon request for a $1 monthly fee.
• Free Bill Pay.
• 50% off the first box of checks.
• Options for helpful account transfer services.

Open Account Online

¹ Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. ² You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. ³ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. ⁴ Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

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

• $1,000 minimum opening deposit.
• $2,500 minimum daily balance in order to earn interest.

Features

• Tiered interest¹
  • $2,500 - $24,999
  • $25,000 - $49,999.99
  • $50,000+
• Utilize non-Banterra ATMs without a Banterra fee.²
• Option to earn interest on money in your checking account.
• Option of no monthly fee ($15 monthly fee can be avoided by doing one of the following):
  • $5,000 daily balance is maintained in your checking account.
  • $20,000 combined average balance in this account, identified checking, savings and money markets or minimum balance in Certificate of Deposit (CD) minimum balance equals the current balance at the beginning of each statement period.

Additional Benefits

• Banterra Digital Banking including online and mobile with easy-to-use tablet and smartphone apps.
• Free online statements and paper statements.
• Free cashier's checks and money orders.
• Free and unlimited check writing.
• Free standard checks for the first order; 50% off future orders.
• $200 discount on Banterra mortgage closing costs.
• Options for helpful account transfer services.

Open Account Online

¹ $2,500 minimum balance in the account each day to earn interest. 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.