Express Checking

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Minimum Opening Deposit

$1001

Minimum Daily Balance
$0
Interest Bearing
Yes
Monthly Service Charge
$0
How to Avoid Monthly Service Charge
Not applicable
Statements
  • Free eStatements
  • $15 for paper statements
ATM Fee
  • Unlimited free transactions at all BankFinancial owned ATMs
  • Free ATMs anywhere2
Your Account Comes With
  • Unlimited check writing
  • 24/7 Bank-by-Phone
  • VISA® Check Card
  • Online Banking
    • Online Bill Pay
    • Mobile Banking
    • Mobile Check Deposit
    • Bank to Bank Transfers
    • POP Money Transactions
  • Employee Rewards

1. Must be employed at a Business that participates in the Employee Rewards Program. 2. There may be a fee imposed by the owner of the other terminal or network.
For complete terms governing your account, please consult the Customer Agreement and Disclosure Statement, which can be found at www.bankfinancial.com/page/disclosures/.  


Personal Checking Accounts

 

Everyday Checking

Student Checking1

eRewards Checking

Spectrum Select Checking

LifeLine Checking

 Express Checking

Minimum Opening Balance

$100

$50

$100

$2,500

$50 $10010

Minimum Daily Balance

$1,000

None

None

$10,000

$0 $0

Interest Bearing

No

No

Yes, Interest Reward2,3

Yes

No Yes

Monthly Service Charge

$74

$0

$0

$20

$54 $0

How to Avoid

Monthly Service Charge

·   Primary account holder needs to be 65 years or older OR

·   Maintain $1,000 minimum daily balance OR

·   Direct Deposit - Have 1 ACH credit transaction during statement cycle

Not applicable

Not Applicable

·   Maintain $10,000 minimum daily balance OR

·   Maintain $15,000 minimum daily deposit relationship balance5 OR

·   Maintain $15,000 minimum loan relationship balance

Not Applicable

Not Applicable

Statements

·   Free eStatements

·   $3 for paper statements (Free if primary account holder is 65 years or older)

·   Free eStatements

·   $3 for paper statements

·   Free eStatements

·   Paper statements available for $15 a month

·   Free eStatements

·   Paper statements available at no cost

·   Free eStatements

·   $3 for paper statements

·   Free eStatements

·   $15 for paper statements

ATM Fee

·   Unlimited free transactions at all BankFinancial owned ATMs

·   See fee schedule for non-BankFinancial ATMs6

·   Unlimited free transactions at all BankFinancial owned ATMs

·   See fee schedule for non-BankFinancial ATMs.6

·  No ATM deposits allowed

·  $200 daily limit

·   Unlimited free transactions at all BankFinancial owned ATMs

·   Six free transactions per month at non-BankFinancial ATMs, see Fee Schedule Thereafter6

·   Unlimited free transactions at all BankFinancial owned ATMs

·   Free ATM anywhere with surcharge reimbursements of up to $10 per statement6, 11

·   Unlimited free transactions at all BankFinancial owned ATMs

·   See fee schedule for non-BankFinancial ATMs6

·   Unlimited free transactions at all BankFinancial owned ATMs

·   See fee schedule for non-BankFinancial ATMs6

Your Account Comes With

·   Unlimited check writing

·   24/7 Bank-by-Phone

·   VISA® Check Card

·   Online Banking

·   Online Bill Pay

·   Mobile Banking

·   Mobile Check Deposit

·   Bank-to-Bank Transfers8

·   POP Money Transactions8

·   Free for 65 & older

·   BankFinancial Basic Checks9

·   50% discount on all non-basic/duplicate checks

·   Unlimited check writing

·   24/7 Bank-by-Phone

·   VISA® Check Card or ATM Card7

·   Online Banking

·   Online Bill Pay

·   Mobile Banking

·   Mobile Check Deposit

·   Bank-to-Bank Transfers8

·   POP Money Transactions8

 

·   Unlimited check writing

·   24/7 Bank-by-Phone

·   VISA® Check Card

·   Online Banking

·   Online Bill Pay

·   Mobile Banking

·   Mobile Check Deposit

·   Bank-to-Bank Transfers8

·   POP Money Transactions8

·   Eligible for Spectrum Select Money Market, Savings & CD rates

·   BankFinancial Basic Checks9

·   50% discount on all non-basic/duplicate checks

·   Unlimited check writing

·   24/7 Bank-by-Phone

·   VISA® Check Card

·   Online Banking

·   Online Bill Pay

·   Mobile Banking

·   Mobile Check Deposit

·   Bank-to-Bank Transfers

·   POP Money Transactions

·   Unlimited check writing

·   24/7 Bank-by-Phone

·   VISA® Check Card

·   Online Banking

·   Online Bill Pay

·   Mobile Banking

·   Mobile Check Deposit

·   Bank-to-Bank Transfers8

·   POP Money Transactions8

·   Employee Rewards

·   Unlimited check writing

·   24/7 Bank-by-Phone

·   VISA® Check Card

·   Online Banking

·   Online Bill Pay

·   Mobile Banking

·   Mobile Check Deposit

·   Bank-to-Bank Transfers8

·   POP Money Transactions8

1. Student Checking is for customer ages 16-23. Student ID required. If under 18, parent/guardian must be joint owner.
2. Interest reward earned with the following requirements per statement cycle: eStatements subscriber,10 signature based debit transactions and no more than 1 branch transaction. (Includes deposits and withdrawals, does not include check cashing)
3. Blended Interest rate. Only the portion of the account balance within each tier earns the rate applicable to that tier.
4. Waived for the first statement cycle. 
5. Minimum daily deposit relationship balance in ANY combination of Checking account, Savings account, Money Market account, and CDs.
6. There may be a fee imposed by the owner of the other terminal or network
7. Check Card and ATM Card have daily limit of $200 respectively.
8. See Fee Schedule for standard fees.
9. 150 checks per order. Non-duplicate checks.
10. Must be employed at a Business that participates in the Employee Rewards Program.
11. Surcharges are reimbursed if the following requirements are met: Your account is not overdrawn for one or more days; any related loan account is not delinquent for one or more days.

For complete terms governing your account, please consult the Customer Agreement and Disclosure Statement, which can be found at www.bankfinancial.com/page/disclosures/. The terms of the account, including fees or features, may change.