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Checking

Checking Choices That Meet Your Needs

We know you’re looking for a checking account with just the right features. With Banterra Bank, we offer 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 an account online at anytime or simply visit a Banterra Banking Center.

Specialized Accounts

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 to choose from.

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 services*, Banterra Visa® Debit Card ($750 merchandise limit and $300 cash limit per day), unlimited ATM/ITM transactions (free at Banterra machines) and unlimited check writing.

* Bill Pay and Mobile Check Deposit are not included with the Digital Banking services.

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.

SIU Saluki Checking

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 Features

  • For customers 25 years or younger1
  • No monthly fee
  • No Banterra ATM/ITM fees at 40+ Banterra ATMs in a four-state region plus 55,000+ Allpoint ATMs Worldwide2
  • No overdraft fees3
  • Only $25 to open account
  • Free Banterra-SIU Saluki Visa® Debit Card with Digital Wallet compatibility
  • Free Digital Banking including online and mobile, with easy-to-use apps tablet and smartphone apps
  • Transaction activity contributes to a Banterra-SIU Scholarship Fund4
  • Unique Saluki fan experiences, ticket offers and discounts at Saluki events at Banterra Center5
  • Banterra-Saluki checks available to show your Saluki pride6

1 Student account is only available to customers 25 years or younger. At age 26, this account will automatically 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.

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

  • Tiered interest*:
    • $1,000 - $9,999
    • $10,000 - $24,999.99
    • $25,000+
  • $10 Monthly Fee (Can be waived if conditions are met1)
  • No Banterra ATM/ITM fees at 40+ Banterra ATMs in a four-state region plus 55,000+ Allpoint ATMs Worldwide2
  • Only $100 to open account
  • Free Banterra-SIU Saluki Visa® Debit Card with Digital Wallet compatibility
  • Free Digital Banking including online and mobile, with easy-to-use tablet and smartphone apps
  • Transaction activity contributes to a Banterra-SIU Scholarship Fund3
  • Unique Saluki fan experiences, ticket offers and discounts at Saluki events at Banterra Center4
  • Banterra-Saluki checks available to show your Saluki pride5

* $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.

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.

Compare Checking Accounts

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 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 Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements Free paper statements, free cashier's checks and money orders, $200 discount on Banterra mortgage closing costs, 50% discount on safe deposit box and personal storage lockers Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements Banterra Restart Checking includes unlimited check writing; not included with Banterra Restart Basic. Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements
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* (Save $3 per month 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 of $2,500 is maintained with checking, savings, money market, or minimum daily balance in CDs and/or IRAs
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 Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements $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, 50% discount on safe deposit box and personal storage lockers $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 Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements $100 None $5 Yes Option 1 - $500 daily balance is maintained in this account
Option 2 - A combined average balance of $2,500 is maintained with checking, savings, money market, or minimum daily balance in CDs and/or IRAs
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 not available
Checkmark Icon Checkmark Icon * Banterra Restart Checking includes unlimited check writing; not included with Banterra Restart Basic. Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements $50 None $9.95* (Save $3 per month with direct deposit) No N/A

*Additional $1 fee for requested paper statements if you elect to use Online Banking.