Printer-friendly versionPrinter-friendly version

Establish a program at St. Charles Bank & Trust™ 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, St. Charles Bank & Trust™ has a program for you.

Free Checking

An unlimited, no charge check writing plan. The minimum to open is $100 with no minimum balance required. Benefits include:

  • Free On-Line Banking & Bill Pay
  • A line of credit for overdraft protection (subject to credit approval)
  • No minimum balance fees and an ATM/Debit Card with no annual fee

Total Access Checking

This account has free1 ATM transactions! The minimum to open is $100 with no minimum balance required. Benefits include:

  • Free On-Line Banking & Bill Pay
  • A line of credit for overdraft protection (subject to credit approval)
  • No minimum balance fees
  • Free first order of specialty checks
  • An ATM/Debit Card with no annual fee

1 The bank does not charge its customers a monthly card usage fee. There’s no transaction charge at any ATM in the 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. Reimbursement does not include the 1% International Service fee charged by MasterCard for certain foreign transactions conducted outside the continental United States. 

Junior Savers Club Account™

Our Junior Savers Club Account™ teaches children and young adults ages 18 and under the rewards of saving while making banking FUN! This account is interest bearing and may be opened with any initial deposit.

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

  • A personalized savings book
  • Extra savings to be sure your account grows
  • Junior Savers Accounts receive a higher rate of interest than do adults
  • All regular account service charges are waived for Junior Savers
  • A special Junior Savers Club Bank to inspire daily at-home saving
  • Our exclusive "Treats Dollar" gift certificate each time the account balance exceeds its previous high balance by $25. Certificates may be redeemed at local participating merchants.
  • And lots of other great goodies and fun activities for Junior Savers. You'll be sent frequent invites to fun Junior Savers Club events and contests.

Teaching kids how to save. It's all part of our commitment to bring traditional community banking back to the community.


Fox Investors Business Money Market Account

  • Combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges and allows you to manage your cash flow by moving funds between your checking account and an FDIC-insured interest bearing account
  • Unlimited Deposits
  • Up to six transfers or withdrawals each month and unlimited in-person teller withdrawals
  • Interest rates are tiered which provides a higher yield with higher balances
  • Minimum Average Daily Balance to avoid service charge is $2,500

Statement Savings Account

Statement Savings Account

This account offers security and savings. Variable rate is compounded and paid quarterly. The minimum to open is $100 and the minimum daily balance of $100 is required or a $3.00 quarterly fee will be imposed.. Account can be combined with your monthly checking statement or mailed quarterly.


Certificates of Deposit

Fixed Rate Certificates of Deposit

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

  • 3 Month
  • 6 Months
  • 9 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 36 Months
  • 48 Months
  • 60 Months


From time to time we offer special fixed rate certificates of deposits with higher minimum balances for other monthly terms. Check out our CD Rates for current rates and specials.


Maxsafe® Accounts

MaxSafe Logo




Safety and security of your deposit account is paramount today.  Making sure your deposits are covered by the FDIC is something every one and every company should do.  By titling accounts properly a typical couple may quickly achieve $1,000,000 in FDIC insurance from our bank.  But, what if you have a larger deposit, are seeking FDIC insurance and don’t know what to do?


The MaxSafe Account is designed for those seeking a Certificate of Deposit (CD) or Money Market Account (MMA) with additional FDIC insurance.  MaxSafe is an innovative and unmatched investment alternative that provides up to

15 times the FDIC security of a traditional banking deposit.  We’ll also simplify your life by providing one summary statement and one 1099 form at tax time.

In today’s volatile marketplace, the added security and convenience of up to $3.75 million in FDIC insurance means peace of mind. How can we offer this unparalleled level of protection? By depositing your funds across a group of 15 affiliated community banks. Fifteen banks equals fifteen times the usual $250,000 level of FDIC maximum protection.  However, you must consider the funds you have on deposit at our bank.


Some common frequently asked questions about MaxSafe are:


What are the particulars of the MaxSafe® CD?

It is an automatically renewable, fixed-rate Certificate of Deposit (of a chosen term) with FDIC insurance of up to $3.75 million per titled account. It is available for consumers, businesses and not-for-profits. It is not currently available for IRA’s, however. A minimum deposit of $100,000 is required to open a MaxSafe CD.


What is the MaxSafe® Money Market Account?

It is a Money Market Account (MMA), with the typical limitation of transactions per month like a normal money market account (please ask a personal banker for more details) insurance of up to $3.75 million per titled account. It is available for consumers, businesses and not-for-profits.  A minimum deposit of $250,000 is required to open a MaxSafe MMA.  A minimum service charge of $75 will be assessed if the balance falls below $250,000.


How can you offer such a high level of additional FDIC protection?

With 15 separate, but affiliated, community banks in Illinois and Wisconsin, we are able to combine each bank’s individual FDIC protection and offer our customers the benefit of 15 times the normal $250,000 level of FDIC Insurance. All fifteen of these banks are all fully FDIC Insured and “well capitalized” per the FDIC and other government regulatory bodies.  A custody account from our affiliate, Wayne Hummer Trust Company, N.A., is opened via a MaxSafe professional, and funds are deposited on your behalf across these 15 banks.  


Is this legal? Is the FDIC OK with this?

This is absolutely legal and is perfectly in compliance with FDIC rules and regulations. While almost no banks in the Chicago area offer this service as of yet, a number of national brokerage houses offer a similar extra-FDIC insured program.

For more information and frequently asked questions, please stop by the bank and speak with a personal banker.  For more information on FDIC Insurance coverage, please visit

It's Easy To Open This Account

Our SimpleSwitch™ system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers. Also check out our overdraft protection option. Please contact us if you have any questions.