Personal Checking

Consumer Login

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Personal Checking


Banterra offers three simple checking choices, including Banterra SmartChoice which features IDProtect® to help safeguard you and your family against identity fraud.

Each checking account has exceptional offerings, including free online services such as online banking, online statements, bill pay, and mobile banking (including easy-to-use apps for smart phones and iPads), as well as free conveniences such as Banterra VISA® Debit Card, direct deposit and unlimited check writing.


Banterra SmartChoice

A checking account with a wealth of benefits including identity theft protection and cellular phone protection.

  • IDProtect® - Protect you and your family1 against identity fraud. At Banterra, we know this is a growing concern for our customers, so we wanted to offer the best product available for securing your personal information.
    For more information on IDProtect®, click here for a downloadable PDF, or if you are already a Banterra SmartChoice customer, click here to register for IDProtect and to learn more.
  • Cellular Phone Coverage2 – Receive up to $300 of coverage for a damaged or stolen cellular phone whether you are home or abroad.
  • $100 minimum deposit to open account
  • Free Digital Banking including online and mobile, with easy-to-use apps for SmartPhones and iPads
  • Free online statements
  • Free bill pay
  • Free Banterra Visa® Debit Card
  • Free direct deposit
  • Unlimited check writing
  • 50% off first box of checks
  • No charge for online statements, but a $1 monthly fee for requested paper statements if you elect online banking
  • Monthly fee of only $5 will be charged each statement cycle

1IDProtect® service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

2Please refer to Guide to Benefit for additional details regarding eligibility, terms and exclusions.


Banterra InterestPlus

Banterra’s checking option that allows you to earn interest on money in your account.

  • $1,000 minimum deposit to open account
  • Tiered interest*:
    • $2,500 to $24,999.99
    • $25,000 to $49,999.99
    • $50,000 and over
    • * $2,500 minimum balance in the account each day to earn interest.
  • Free Digital Banking including online and mobile, with easy-to-use apps for SmartPhones and iPads
  • Free online statements
  • Free bill pay
  • Free Banterra Visa® Debit Card
  • Free direct deposit
  • Unlimited check writing
  • Free standard checks for first order; 50% off future orders
  • Free paper statements
  • Free cashier’s checks and money orders
  • No Banterra fee on up to eight non-Banterra ATM transactions per statement cycle; Other financial institution fees may apply.
  • $200 discount on Banterra mortgage closing costs
  • 50% discount on safety deposit box and personal storage lockers
  • If one of the following items are maintained, a monthly fee of $15 will not be charged:
    • $5,000 minimum daily balance in this account
    • $20,000 combined average balance in this account, identified checking, savings & money markets, or minimum balance in certificate of deposit (CD) and/or IRAs. The CD minimum balance equals the current balance at the beginning of each statement period.


Banterra Green

All the essentials you want in a checking account while encouraging a green environment through paperless practices.

  • $100 minimum deposit to open account
  • Free Digital Banking including online and mobile, with easy-to-use apps for SmartPhones and iPads
  • Free online statements
  • Free bill pay
  • Free Banterra VISA® Debit Card
  • Free direct deposit
  • Unlimited check writing
  • No charge for online statements, but a $1 monthly fee for requested paper statements if you elect online banking.
  • If one of the following items are maintained, a monthly fee of $5 will not be charged:
    • $500 minimum daily balance in this account
    • $2,500 combined average balance in this account, identified checking, savings & money markets, or minimum balance in certificate of deposit (CD) and/or IRAs. The CD minimum balance equals the current balance at the beginning of each statement period.
    • Two direct deposits per statement cycle
    • Eight (8) Banterra Visa® Debit Card purchases per cycle
  • Monthly fee will also be waived for:
    • Military (with proof of military status)
    • Students (Age 24 and younger with proof of student status)
    • Age 60 and over (primary or secondary owners of the account must be age 60 or over)


Banterra Restart Checking and Banterra Restart Basic

Banterra's checking accounts that may allow you to get your financial relationship back up and running regardless of your financial history.

Banterra Restart Checking and Banterra Restart Basic have a wealth of benefits available at a minimum monthly fee. Banterra Restart Checking includes unlimited check writing (not included with Banterra Restart Basic) and both accounts include:

  • Free Digital Banking; Bill Pay not available
  • Free Direct Deposit
  • Free Online Statements*
  • Free Mobile Banking; Mobile Check Deposit not available
  • Free Visa® Debit Card — $750 merchandise limit and $300 cash limit per day
  • Unlimited ATM Transactions (Free at Banterra ATMs)

Requirements:

  • $50 Opening Balance; No Minimum Balance Thereafter
  • Monthly Service Charge of $9.95* (Save $3 per month with direct deposit)

Maintaining a Restart account in good standing will allow you to transition into other checking products after time requirements are met.

*Additional $1 fee for requested paper statements if you elect to use Online Banking.

SIU Saluki Checking


Banterra offers two Saluki checking account choices, including Saluki Student Checking and Saluki Interest Checking that are packed with benefits that are hard to beat.

   


Saluki Student Checking

The perfect product designed for students 25 years and younger looking for a checking account without a monthly fee.

  • For customers 25 years or younger1
  • No monthly fee
  • No Banterra ATM fees at 40+ Banterra ATMs in a four-state region plus 55,000+ Allpoint ATMs Worldwide2
  • No overdraft fees3
  • Only $25 to open account
  • Free Banterra-SIU Saluki Visa® Debit Card with Digital Wallet compatibility
  • Free Digital Banking including online and mobile, with easy-to-use apps for SmartPhones and iPads
  • Transaction activity contributes to a Banterra-SIU Scholarship fund4
  • Unique Saluki fan experiences, ticket offers and discounts at Saluki events at Banterra Center5
  • Banterra-Saluki checks available to show your Saluki pride6
1 Student account is only available to customers 25 years or younger. At age 26, this account will automatically be converted to Saluki Interest Checking and must meet the normal criteria in order to avoid monthly fee.
2 ATM fees charged by owners/operators of non-Banterra ATMs will be reimbursed on up to eight(8) non-Banterra ATM transactions, or up to $25 per statement cycle.
3 Overdraft fees will be avoided by Banterra automatically declining any withdrawal or purchase that would be a result in insufficient funds to your account. Customers who prefer to not have these transactions declined can link their account to a Banterra Overdraft Protection funding account; certain restrictions apply.
4 Banterra-SIU Scholarship Fund is facilitated by SIU. To apply or learn more, go to www.siusalukis.com/banterra.
5 For complete details on unique Saluki fan experiences, ticket offers and discounts at SIU Athletic Events, go to www.siusalukis.com/banterra.
6 Saluki checks and other check designs are available, prices vary per style.


Saluki Interest Checking

Show your Saluki Pride while earning interest on money in your account and cash for scholarships.

  • Tiered interest*:
    • Less than $1,000 – no interest
    • $1,000 - $9,999 balance – .40% APY
    • $10,000 - $24,999.99 – .60% APY
    • $25,000+ - .75% APY
    • *$1,000 minimum daily balance is required to earn interest.
  • No monthly fee1
  • No Banterra ATM fees at 40+ Banterra ATMs in a four-state region plus 55,000+ Allpoint ATMs Worldwide2
  • Only $100 to open account
  • Free Banterra-SIU Saluki Visa® Debit Card with Digital Wallet compatibility
  • Free Digital Banking including online and mobile, with easy-to-use apps for SmartPhones and iPads
  • Transaction activity contributes to a Banterra-SIU Scholarship fund3
  • Unique Saluki fan experiences, ticket offers and discounts at Saluki events at Banterra Center4
  • Banterra-Saluki checks available to show your Saluki pride5
1 One of the following is required each month to avoid fee: (1)$2,500 minimum daily balance in this account; (2) $5,000 combined average balance in this account, identified checking, savings & money markets, or minimum balance in certificate of deposit (CD) and/or IRAs. The CD minimum balance equals the current balance at the beginning of each statement period; (3) A monthly direct deposit of at least $200 or higher is deposited to this account. Direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government and must be $200 or higher.
2 ATM fees charged by owners/operators of non-Banterra ATMs will be reimbursed on up to eight(8) non-Banterra ATM transactions, or up to $25 per statement cycle.
3 Banterra-SIU Scholarship Fund is facilitated by SIU. To apply or learn more, go to www.siusalukis.com/banterra.
4 For complete details on unique Saluki fan experiences, ticket offers and discounts at SIU Athletic Events, go to www.siusalukis.com/banterra.
5 Saluki checks and other check designs are available, prices vary per style.

Compare our checking products or stop by one of our Locations and a Banterra representative can assist you with the right checking product for your financial needs.