Phone: 708-485-3100

Best Ever Checking

This free high interest checking account lives up to its name. You can earn 3.58% APY* and ATM fee refunds** with no handling fees.

You read that right. You get a free checking account with a sky-high interest rate—it's like giving you free money! Plus you can earn ATM fees back—not just here in Chicago or around Illinois, but nationwide.

You can see how this account got its name!

Summary

3.58% APY* on balances up to $20,000 if monthly qualifications are met
0.58% APY* on amount of balance over $20,000 if monthly qualifications are met
0.08% APY* on entire balance if monthly qualifications are not met
No minimum balance
No handling fee
Unlimited check writing
ATM fee refunds nationwide (up to $25 per cycle)
Free SBC Internet Banking with Billpay
SBC Advantage Debit Card
Free Online Statements
Free SBC Telephone Banking
Direct deposit available
Overdraft protection available
FDIC insured up to $250,000
$5 deposit to open

*APY=Annual Percentage Yield

Qualifications

To get the Best Ever Checking interest rate and ATM fee refunds, simply do the following:

Make 10 signature based debit card transactions each cycle
Set up one recurring direct deposit or ACH auto debit
Enroll and receive online statements

*APY=Annual Percentage Yield

It's easy to do—most of these things you probably do already!

Remember, if you don't qualify in a given cycle, you still earn our base rate of 0.08% APY* and get unlimited free checking. And if you don't qualify one month, you can always get the rewards back the very next cycle.

More Info

Statements for BEST EVER checking accounts are produced, and interest is posted to accounts, on the THIRD WEDNESDAY of each month. All qualifying activities must be completed and posted to your account by the TUESDAY prior to that Wednesday.

*3.58% Annual Percentage Yield (APY) paid on balances up to $20,000, and 0.58% APY paid on balances $20,001 and higher each statement cycle the minimum requirements are met. If you do not meet the requirements during a given statement cycle you will earn the Base Rate of 0.08% APY. APYs accurate as of October 16, 2009. This is a variable rate account, the interest rate and annual percentage yield may change at any time by any amount. Fees can reduce earnings. There is a limit of one Best Ever Checking Account per Tax Identification Number (TIN). Member FDIC.

**You must deposit a minimum of $5 to open and maintain the account. Personal accounts only. No monthly service charge. If you do not meet the requirements per statement cycle, your account will still function as a free checking account earning the Base Rate, however, it will not receive ATM fee refunds for that time period. ATM fee refunds limited to $25 per statement cycle and $5 per item. Must log in to SBC Internet Banking at least once every ninety days to keep your SBC Internet Banking and Online Statements active. Fees can reduce earnings.