Personal Checking Accounts

Account Features Banterra Accounts Specialized Accounts University Fan Checking Comparison Chart

Checking Accounts That Meet Your Needs

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.

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Accounts Built With You In Mind

Each of our traditional checking accounts include features to fit your needs. These features are not included on all specialized accounts.

Digital Banking

Banterra Visa^® Debit Card

Digital Banking

E-Statements

Bill Pay

Digital Banking

Mobile Check Deposit

Person-to-person (P2P) Pay

Manage Accounts

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. (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.

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.
$5 monthly fee.

Features

IDProtect^® – Protection against identity fraud plus other benefits. To learn more about IDProtect, click here.
Cellular Phone Coverage – Receive up to $300 of coverage for a damaged or stolen cellular phone whether you’re home or abroad. See branch for complete details.

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.
Unlimited transactions at Banterra ATMs and ITMs.
Free and unlimited check writing.
50% off the first box of checks.
Options for helpful account transfer services.

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

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

Features

Tiered interest*
- $2,500 - $24,999
- $25,000 - $49,999.99
- $50,000+
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.
Unlimited transactions at Banterra ATMs and ITMs.
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.

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

ATM includes both automated teller machines and interactive teller machines.

Specialized Checking 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 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 not currently available in all Banterra locations. Banterra’s Private Banking product is available in Arizona, Indiana, Missouri, Utah as well as Mt. Vernon, Illinois and Paducah, Kentucky.

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Applicants for Private Banking products are subject to qualification criteria prior to approval/account opening.

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.

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

For customers 25 years or younger¹
No monthly fee
No Banterra ATM/ITM fees at 40+ Banterra ATM/ITMs and 55,000+ Allpoint ATMS worldwide.²
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 supports SIU including 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 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

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 ATM/ITMs and 55,000+ Allpoint ATMS worldwide.²
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 supports SIU including 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. 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.

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 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.