Personal Banking
Additional Services

Overdraft protection

You can protect yourself from the inconvenience of returned checks and costly overdraft fees. With overdraft protection, available funds from a line of credit are automatically transferred to your checking account, guarding you against unexpected cash flow shortages.

Cash Reserve

Cash reserve is a credit protection plan available through our checking accounts. If you overdraw your account or need some extra cash, we'll automatically transfer the necessary funds into your account up to your established limit. *All Cash Reserve accounts are subject to loan approval.

Safe Deposit Boxes

Protect your valuables by renting a safe deposit box at one of our locations. Your valuables are kept under a dual-control lock system in our vault. This means that access to the box requires two keys, one in the possession of the bank to activate the lock and the other in the possession of the renter which unlocks the box. This system assures you that your valuables are only accessible with your key. For more information on Safety Deposit Boxes click here.

The Visa® Gift Card

Looking for just the right gift for that hard-to-buy-for individual? Purchase a VISA Gift Card and that special someone can use it to buy whatever he/she needs. Use it everywhere Visa debit cards are accepted worldwide. A VISA Gift Card is also useful if you are taking a trip and do not want to carry excess amounts of cash!

Telephone Banking

A phone call is all it takes to transfer money, access information concerning your account and other useful services with our telephone banking program. Call us at 217-857-3999 to begin banking by phone 24 hours a day.
  • Bank by Phone: 217-857-3999
  • Bank by Phone (Toll Free): 866-497-3999

Reorder Checks

Click here to reorder your checks.