Accounts

---

Which account is in your best interest?
When you trust your money to a bank, you want to be sure it’s in an account that’s right for you. That’s exactly why Southern Illinois Bank has so many accounts for your selection. With a variety of checking and savings accounts available, we will help you find the one account that has your best interest at heart.

All of our accounts come with FREE telephone banking, online banking, mobile banking, mobile deposit, bill pay, eStatements and eNotices!

---

FREE CHECKING

• Minimum deposit to open account $100.00
• No monthly service fee
• No minimum balance
• Non-Interest bearing account
• Unlimited check writing
• MasterCard Debit/ATM Card available upon approval.

---

NOW CHECKING

• Interest bearing account. Your interest rate and annual percentage yield may change.
• Minimum deposit to open account $100.00
• Minimum balance to avoid fees $1,000.00
• A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
• Unlimited Check writing
• MasterCard Debit/ATM Card available with approval

See our RATES page for our current NOW account rate!

---

SAVINGS

• Interest bearing account. Your interest rate and annual percentage yield may change.
• Minimum deposit to open account $100.00
• Minimum balance to avoid fees $200.00
• Limited Withdrawals
• MasterCard Debit/ATM Card available upon approval (you must have a checking with us to be able to link your savings account to it).
• A service fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day during the quarter.
• See our RATES page our current Savings account rate!

---

MINOR SAVINGS

• This account is for customers under 18 years of age.
• Interest bearing account. Your interest rate and annual yield may change.
• Minimum deposit to open account $10.00
• Monthly service charge waived until the age of 18.
• Limited Withdrawals
• No MasterCard Debit/ATM card available.

See our RATES page for our current Minor Savings account rate!

---

CHRISTMAS CLUB

• Interest bearing account. Your interest rate and annual yield may change.
• Minimum to open account $10.00
• No monthly service charge
• No withdrawals
• No MasterCard Debit/ATM card available.
• Checks are delivered with plenty of time before the Holiday Shopping Season.

See our RATES page for our current Christmas Club savings account rate!

---

MONEY MARKET

• Interest bearing account. Your interest rate and annual percentage yield may change, tiered interest based on account balance.
• Minimum deposit to open $100.00
• Minimum balance to avoid fees $1,000.00
• Limited Check Writing
• MasterCard Debit/ATM Card available upon approval
• A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

See our RATES page for the current Money Market rates!

---

PREMIUM MONEY MARKET

• Interest bearing account. Your interest rate and annual percentage yield may change, tiered interest based on account balance.
• Minimum deposit to open $10,000.00
• Minimum balance to avoid fees $10,000.00
• Limited Check Writing
• MasterCard Debit/ATM Card available upon approval
• A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle.

See our RATES page for the current Premium Money Market rates!

---

CERTIFICATE OF DEPOSIT (CD)

• Minimum deposit to open account $1,000.00
• Interest bearing account. Your interest rate and annual yield may change.
• 6 month to 5 year intervals available.
• Penalty will be imposed with early withdrawal.

See our RATES page for our current CD rates!

---

INDIVIDUAL RETIREMENT ACCOUNT (IRA)

• Minimum deposit to open account $1,000.00
• Interest bearing account. Your interest rate and annual yield may change.
• 6 month to 5 year intervals available.
• Penalty will be imposed with early withdrawal.

See our RATES page for our current IRA rates!

 

Loans

---

Southern Illinois Bank has a variety of loans to meet your personal needs. We offer competitive rates and flexible terms. Our lending team consists of bankers right here at home. We guarantee a timely loan decision made by our local office. We invite you to contact one of our loan professionals to determine the borrowing option that is right for you.

---

PERSONAL LOANS

Standard Requirements- Contact one of our Lending Professionals. Payment protection plans are available.

For:

• Auto
• Motorcycles
• Boat
• Personal

Click here for an application

---

HOME LOANS

Owning your own home may be the most important investment you will ever make and Southern Illinois Bank wants to assist you every step of the way. Our friendly hometown lending staff is ready to help you select the right type of loan for your needs.

For:

• Construction
• Home Purchases
• Refinancing
• Second Mortgages/ HELOC
• Vacation Home

We offer several product options for in house and fixed rate loans through the secondary market such as: Conventional Fixed Rate 30, 20, 15 and 10 year terms, Rural Development for first time home buyers, VA, FHA and Rural Living for hobby farmers.

Click here for an application