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ISB Community Bank offers a variety of checking account plans in order to accomodate your lifestyle. All of our checking accounts have the following features:
- $100 to open an account
- No Annual Fee Debit Card
- FREE ATM Transactions(1)
- FREE Online Banking(2)
- FREE 24-Hour Telephone Banking
- Online Bill Pay(3)
Find the checking plan that is best for you...
FREE CHECKING
This no frills account gives you the convenience of having a checking account without a monthly service fee or a minimum balance requirement.
- No Minimum Balance
- No Maintenance Fees
- No per Check Charge
- Unlimited Check Writing
GENGOLD® CHECKING
As a GenGold® member, you and your family are entitled to participate in the most exciting value club program in the country! GenGold® offers you a whole new way to save on financial services and so much more. Members will save money on products and services they use every day. Vacations become a reality, grocery bills go down, prescriptions become affordable; the savings impact almost every aspect of their lives (click here to learn more).
- No Minimum Balance
- Unlimited Check Writing
- FREE 3x5 Safe Deposit Box for 1 year(4)
- $100 OFF Mortgage Closing Costs(5)
- Monthly Membership Fee......$3.95
(FREE if you have $25,000 or more in deposits or loans at ISB Community Bank)
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NEW Benefit - GenGold® Cash Back Rewards!(6)
- Earn up to 33% cash back when you shop online using your ISB Community Bank Credit Card.
- Over 350 online retailers to choose from, including: Home Depot, iTunes, Macy's, Staples, Target, and Walmart.
- Cash back rewards accumulate in your online reward account, and earned rewards are distributed quarterly.
- Click here to sign up!
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ULTIMATE INTEREST CHECKING
- No monthly fees with the following:
Minimum daily balance..........$1,000
- If the minimum balance requirement is not met:
Monthly service charge..........$7.50.
This tiered-interest rate account is designed exclusively for customers who maintain a high balance and want a higher interest rate. Ultimate Interest Checking has a variable interest rate based on balance. Please ask us or click here for current rates
PREMIER CLUB CHECKING
This account is designed for those ages 50 and older. This no minimum balance account has a variable interest rate. Please ask us or click here for current rates. In addition to having the same features as our Free Checking account, customers in a Premier Club Checking account become members of our Premier Club, where they can enjoy these benefits:
- FREE Personalized Premier Club Checks
- FREE Account activity printout
- FREE Copies of personal documents
- FREE "Premier Club Times" Newsletter
- Discounts on club trips and special events
MONEY MARKET CHECKING
This account has a variable interest rate which may change weekly. Interest compounds monthly. Please ask us or click here for current rates.
No monthly service charge will be imposed on this account if you maintain a minimum balance of $1,000.
The account is limited to no more than six preauthorized and/or automatic transfers and withdrawals (including telephone and internet banking transfers) during a calendar month. No more than three of these withdrawals may be made by a third party check. There is no limit on the number of in-person withdrawals.
If the minimum balance requirement is not met: monthly service charge will be $5.00 plus $0.25 per check/withdrawal for the month.
Each debit in excess of regulatory limitations may result in a charge of $2.00 per item.
(1)Other banks may charge usage fees at ATMs not operated by ISB Community Bank unless part of the ATM Access Network. See ATM Access Network brochure for details. (2)Check images not included with the statements. Check images may be accessed by using ISB Online Banking. (3)There is a $5.00 fee if you do not initiate a payment during each rolling 30-day period based on your enrollment date. (4)Subject to availability. (5)Valid with first mortgages - purchases or refinances. Owner-occupied 1-4 family residential loans only. Not valid for HELOCs. (6)Cash Back rewards range from 1% to 33%, depending on the retailer, and are subject to change without notice. Please visit www.gengold.com for complete program details. GenGold® Cash Back Rewards is powered by Rainbow Rewards.
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