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Checking

Checking

At Crow River Bank we offer a variety of checking accounts to suit your personal needs. Since no two customers are alike, we offer many different types of personal checking to choose from:

Please contact a bank representative for further details and current rates:
Delano: 763-972-3385
Mound: 952-472-5556

EZ REWARD Checking

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Earn REWARD BONUS RATES!!

1.11% APY* on balances up to $20,000
0.15% APY* on balances above $20,000

If requirements are not met, 0.03% APY* on balances

Minimum balance to avoid a fee: If your balance falls below $500.00 on any day in the monthly qualification cycle, your account will be subject to a $5.00 Service Charge for that month.

Benefits and Options with EZ REWARD Checking:

  • Get Foreign ATM Fee Refunds** up to $5.00 per item assessed at an ATM with a maximum of $12.00 per monthly qualification cycle if requirements are met.
  • Internet Banking Available at no charge
  • Online Bill Pay Available
  • Cash & Check Card Available at no charge
  • Electronic Statements Available at no charge
  • Immediate Credit Available (subject to credit approval)
  • Unlimited Check Writing

EZ REWARD Checking is a checking account that rewards customers with 1.11% APY* earnings and automatic refunds on Foreign ATM fees**.

To receive the high interest and Foreign ATM fee refunds**, account holders must meet the EZ REWARD Checking requirements each monthly qualification cycle:

EZ REWARD REQUIREMENTS*** per monthly qualification cycle:

  • Access Online Banking once per monthly qualification cycle
  • One Electronic Direct Deposit or One ACH Automatic Debit must post and clear per monthly qualification cycle
  • Receive Electronic Statement monthly (valid email address required) per monthly qualification cycle
  • Make 10 Point of Sale Debit Card Purchase Transactions or more which must post and clear per monthly qualification cycle

If the requirements are NOT MET during the monthly qualification cycle, you will be assessed a $4.00 non-qualifying fee and you will not receive the bonus rate of interest or Foreign ATM refunds ** for that qualification period. You will earn not less than an interest rate of 0.03% with an annual percentage yield (APY) of 0.03% on the balances in the account. Customers can always qualify during the next monthly qualification cycle! (ATM transactions are free at Crow River Bank ATMs)

EZ REWARD Checking accounts are for personal accounts only; limited to one per customer 18 years of age or older; account subject to approval. Fees could reduce earnings.

Monthly qualification cycle means a period starting one day prior to the beginning of the current qualification period through one day prior to the close of current statement period.

Customer may elect to receive electronic check images for a fee of $1.00 per monthly qualification cycle. Cost of checks, deposit slips and withdrawal tickets will vary depending upon the style selected and the quantity ordered. Other bank fees may apply.

*1.11% Annual Percentage Yield (APY) paid on balances up to $20,000 and 0.15% APY paid on the portion of balances over $20,000 each monthly qualification cycle if the minimum requirements are met. If requirements per monthly qualification cycle are not satisfied, the account then functions as a checking account earning not less than 0.03% APY; however, it will not receive Foreign ATM fee refunds** for that monthly qualification cycle. The annual percentage yield is accurate as of February 19,2014 and is subject to change without notification. If your account balance falls below $500 on any day during the monthly qualification cycle, your account will be subject to a $5.00 service charge for that month.

** Foreign ATM fee refunds up to $5.00 per item assessed at an ATM with a maximum of $12.00 per monthly qualification cycle if requirements are met.

***Requirements must be met each monthly qualification cycle.

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Ultimate Checking

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  • Minimum initial deposit: $1,000.00
  • Minimum Combined Depository Balance(s): $20,000.00
  • Pays Money Market tiered rates based on deposit balance
  • Interest Paid Monthly
  • Interest rate subject to change at bank's discretion
  • Check Imaging Available at no charge
  • NO ISSUE FEE on Cashier's Checks and Money Orders
  • Notary Service Available at no charge
  • Online Banking Available at no charge
  • Telephone Transfers Available at no charge
  • Automatic Transfers -- checking/savings Available at no charge
  • FREE 3-Ring Binder to hold statements & other documents
  • Online Bill Pay Available
  • Account subject to a service charge if minimum combined balance is not met
  • ATM/Debit Card Available
  • Other bank fees may apply

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Prime Time Checking

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  • Membership is reserved for those 55 or older
  • Minimum initial deposit: $50.00
  • No monthly service charge
  • Interest accrued daily on all available balances
  • Interest Paid Monthly
  • Interest rate subject to change at bank's discretion
  • "Specialty" Checks at no charge
  • Large selection of checks available at additional cost
  • Notary Services Available at no charge
  • Photo copies Available at no charge
  • No issue fee on Money Orders or Cashier's Checks
  • Direct Deposit Available
  • Online Bill Pay Available
  • Online Banking at no charge
  • ATM/Debit Card Available
  • Other bank fees may apply

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Super NOW Checking

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  • Tiered Interest Rates
  • Minimum balance of $800.00
  • $8.00 service charge if minimum balance is not met
  • Interest Paid Monthly
  • Online Banking at no charge
  • Online Bill Pay Available
  • ATM/Debit Card available
  • Interest rate subject to change at bank's discretion
  • Customer may elect to receive check images back for $1.00 per month fee
  • Other bank fees may apply

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Basic Checking

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  • No minimum balance required
  • First order of 50 checks free
  • No monthly service charge
  • Online Banking Available at no charge
  • Online Bill Pay Available
  • Electronic Statements Provided Monthly
  • ATM/Debit Card Available for $2.00 per month
  • Other bank fees may apply

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