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Our FDIC-insured Savings Accounts are variable-rate interest-bearing accounts. Please select a product below for more information.

Experience Savings

We know that you deserve more than a simple lifestyle advantage, you deserve The Experience at St. Charles Bank & Trust™. The Experience is your key to a better way of life.

  • To become a member, you must be age 50 or better.
  • Open and maintain an Elgin Experience Savings Account (Account requires a minimum deposit of $100 to open)
  • Maintain a total balance relationship of:

                  $2,500.00 for individual membership*
                  $4,000.00 for joint membership*

*Can include any other deposit account(s)

Best of all, we require that you enjoy life and enjoy your membership. We encourage you to share your opinions, wants and needs with our friendly staff.

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

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 a minimum deposit of $1.00.

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
  • A special Junior Savers Club Bank to inspire daily at-home saving
  • Earn 1 Treat Dollar for every $25 deposited, limited to 10 Treat Dollars per day.
  • 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.

There is no minimum balance required under the age of 19.  Once the customer reaches the age of 19, a maintenance fee of $3.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter.



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.

Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

An excessive transaction fee of $10.00 will be charged for each transaction in excess of the above mentioned limitations.

A closing fee of $10.00 will be charged if account is closed within six months of opening.

Fox Investors 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

  • Minimum Daily Balance of $2,500.00 to avoid the $10.00 fee to avoid a monthly service fee
  • 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

It's Easy To Open This Account

Fill out and submit this application form or come see one of our friendly personal bankers.

Fox Investors Money Market is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded every month and credited to your account every month.