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!

SMALL BUSINESS CHECKING

• Non-interest bearing account
• Minimum deposit to open account $100.00
• No minimum balance or monthly service charge
• Unlimited Check writing
• Business Debit Cards

CORPORATE BUSINESS CHECKING

• Non-interest bearing account
• Minimum deposit to open account $100.00
• No minimum balance
• $150.00 monthly service charge
• Unlimited Check writing
• Business Debit Cards

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!

COMMERCIAL 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!

COMMERCIAL 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!

Loans

Southern Illinois Bank has a variety of loans to meet your business 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.

AGRICULTURE LOANS

Designed to meet your financial needs. Each producer is unique, so please contact us today to see what we can do for you.

For:

• Equipment
• Operating Line of Credit
• Farm Ground
• FSA Guaranteed

Click here for an application

COMMERCIAL LOANS

Every business has different needs contact our commercial lending department to help with your business plan.

For:

• Equipment
• Inventory
• Revolving Credit Lines
• Real Estate
• SBA Guaranteed

Click here for an application