Printer-friendly versionPrinter-friendly version

Establish a program at Old Plank Trail Community Bank that allows your money to grow, while letting our services take care of your banking needs.  Whether you are looking to open a new checking account, save for your future, or add to your current portfolio,
Old Plank Trail Community Bank has a program for you.

Traditional Checking

  • Initial deposit of $50 required to open
  • No limit to the number of checks that may be written per month and there are no charges per check written

See a Personal Banker for details.

College Checking Account

We designed an account to help young adults handle their finances and provide peace of mind to parents.

Features and Benefits

  • FREE Checking Account with no minimum balance and no monthly fee1
  • NO ANNUAL FEE ATM or MasterCard debit card2
  • 3 FREE out-of-network ATM transactions per month3
  • NEW - our Family Card - a pre-paid debit card to help manage allowances and expenses
  • FREE imaged checks with CheckManager Plus®
  • FREE On-line Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities
  • Initial deposit of $50 required to open.
  • Intended for students age 18-23

See a Personal Banker for details.

 

1 Penalty fees, such as overdraft charges , and fees for special services may apply. ²Subject to age and other qualifications. See bank for details. 3The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, Money Pass or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed up to a limit of 3 per month. Reimbursement does not include the 1% International Services fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States.

MyCash Checking

For 16 to 18 year olds2

  • $50 minimum deposit to open
  • NO minimum balance to maintain
  • NO monthly service charge
  • Joint account with one or both parents, so minor can make deposits and withdrawals
  • FREE first order of checks printed with our logo
  • Family Access Card (re-loadable) allows parents to make money available at their discretion, plus monitor and even block transactions
  • Mobile Alerts allow tracking of your teen's debit card activity
  • At account opening, child must be accompanied by a parent or guardian and present valid social security number  
  • 3 FREE out-of-network ATM transactions per month1

Please see a Personal Banker for details.

* The MyCash Checking account is designed for young adults 16-18 years of age. To be eligible for this account, parent must establish or currently have a checking account relationship with Old Plank Trail Community Bank.  Please see a personal banker for more details.

1 The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, Money Pass or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed up to a limit of 3 per month. Reimbursement does not include the 1% International Services fee charged by MasterCard® for certain foreign transactions conducted outside the continental United States.

2 This account is intended for students aged 16-18.  The account may be automatically changed to a College Checking account when the age of the account holder is greater than 18 years.

PlatinumPreferred® Account

Our PlatinumPreferred Account® offers an attractive combination of products and services designed to meet the banking needs of those fifty and older.

Platinum Adventures®

Platinum Adventures® is our travel and activities club, created especially for customers age 50+.  Click here for more information.

Features and Benefits of the account

  • Interest bearing6 NOW checking with no minimum balance and no monthly fee1
  • FREE Specialty Gray Checks2
  • NO ANNUAL FEE debit card 
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area3
  • FREE 3" x 5" safe deposit box for one year (or equivalent savings off a larger box)4
  • FREE traveler's checks, money orders and cashier's checks5
  • FREE imaged checks with CheckManager Plus®
  • FREE On-line Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities
  • Initial deposit of $50 required to open7.

Please see a Personal Banker for details.

Our Exclusive Platinum Trail Dollars Program - To Celebrate Senior Moments!

In addition to all the great benefits above, we offer "Trail Dollar" gift certificates as a unique reward to our account holders.  Please see a Personal Banker for details.  Trail Dollars can be redeemed with the following fine merchants:

Double Yolk Restaurant, 11400 Lincoln Highway, Mokena

Paradise Smoothie & Coffee, 1938 E. Lincoln Highway, New Lenox

Little Joe's Pizza & Restaurante, 1300 N. Cedar Road, New Lenox

Little Joe's Pizza & Restaurante, 7976 W. 167th Street, Tinley Park

*Redeem up to 3 Trail Dollars per purchase at the above locations

Watch for chances to win Trail Dollars during Platinum Adventures events and at other events throughout the year!

Overdraft protection also available.

1Penalty fees, such as overdraft charges, and fees for special services may apply. Minimum to open account is $50. 2Limitations apply on type of check and quantity ordered. 3No transaction charge at any of our affiliated ATMs. Other banks may impose ATM surcharges at their machines. 4Limited number of boxes available.  5Free travelers checks do not apply to the two signature American Express traveler's checks. 6Platinum Preferred Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly. 7Must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield.

Money Market Account

Our Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

  • Must deposit $1,500 to open the account and maintain Minimum Daily Balance of only $1,500.00 to avoid a monthly service fee and to obtain the disclosed APY. $10.00 monthly service fee if requirement is not met.
  • Unlimited deposits and up to six preauthorized debits at no charge
  • Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
  • FREE On-line Banking and Telebank

 

Passbook Savings Account

  • No minimum balance to open the account
  • Minimum Daily Balance requirement of only $250.00 to avoid a $5.00 Quarterly fee.
  • You receive a personalized passbook which must be presented each time you make a deposit or withdrawal, where all of your transactions are recorded
  • Interest is compounded quarterly and paid quarterly

Transaction limitations: You may not make any transfers from this account to another account of yours  or to third parties by preauthorized, automatic, telephone transfer or similar order to third parties.
 

Statement Savings Account

  • No minimum balance to open the account
  • Minimum Daily Balance requirement of only $250.00 to avoid a $5.00 Quarterly fee.
  • Interest is compounded quarterly and paid quarterly
  • Statements conveniently combined with your monthly checking statement OR sent quarterly
  • Transfer funds as needed to your checking account with Telebank or FREE online banking1

1 Transaction limitations: Transfers from a Statement Savings account to another account or to a third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft or similar order to third parties are limited to six per month.  An excessive transaction fee applies for each item over transaction limits.  You may make unlimited ATM withdrawals, and unlimited withdrawals made in person at a teller window.

Junior Savers Club Account™

Our Junior Savers Club Account™ teaches children and young adults 18 and under the rewards of saving while making banking FUN!  This account may be opened with any amount, and there is in no minimum balance to maintain.

Features

  • NO minimum balance to open the account
  • NO minimum balance to maintain the account
  • NO monthly service charge

In addition to learning one of life's most valuable lessons, Junior Savers will receive:

  • A special bank book with identification as a Junior Savers Club member
  • Extra savings to be sure your account grows  
  • All regular account service charges are waived for Junior Savers 
  • A special Junior Saver Club bank to inspire daily at-home saving
  • Holiday goodies and fun activities for Junior Savers, including invites to special Junior Savers Club events and contests
  • Our exclusive "Trail Dollar" gift certificate program as a reward for saving your dollars and cents with us!

 

OUR TRAIL DOLLARS PARTNERS

Please click here to view a complete listing of our Trail Dollar partners.

Teaching kids how to save -- it's part of our commitment to keeping traditional community banking alive in our towns!

It's Easy To Open This Account

Ask a parent or guardian to bring you to any of our locations and see one of our friendly personal bankers. At account opening, child(ren) must be accompanied by a parent or guardian and present valid social security number(s).

Junior Savers Club Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded quarterly and credited to your account quarterly.

Transaction Limitations: You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties

MyCash Savings

(for Ages 13 - 22)1

  • NO minimum balance to open the account
  • NO minimum balance to maintain the account
  • NO monthly service charge
  • Joint account with one or both parents, so minor can make deposits and withdrawals
  • Family Debit Card (re-loadable) allows parents to make money available at their discretion, plus monitor and even block transactions
  • Mobile Alerts allow tracking of your teen's debit card activity
  •  Ask a parent or guardian to bring you to any of our locations and see one of our friendly personal bankers. At account opening, child(ren) must be accompanied by a parent or guardian and present valid social security number(s).

MyCash Savings is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded quarterly and credited to your account quarterly.

1 This account is intended for students aged 13-22.  The account may be automatically changed to a Statement Savings account when the age of the account holder is greater than 22 years.

 

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.

Interest rates vary depending on the term of the CD. Interest is calculated using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.


It's Easy To Open This Account

Please contact us if you have any questions Also check out our overdraft protection option. .