Did you know you can open an account online through our website and mobile app, without stepping into a branch? It's easy to open an account from the comfort of your own home or when you're on the go. Open an account today!
Residents in Henry County, Mercer County, and the Quad Cities region can open personal checking accounts online through the BankORION mobile app and website anytime, anywhere. Our customers can choose from a variety of checking accounts, all with low or no fees, debit card access, tiered interest options, and online and mobile banking tools. Checking accounts available to open online include regular checking, rewards checking, and NOW checking. To open a student checking and Super NOW checking account, please contact your nearest branch.
| Rewards Checking | NOW Checking | Super NOW Checking | Regular & Student Checking | |
| Minimum Opening Balance | $100* | $100* | $100 | $100* |
| Unlimited Deposits | YES | YES | YES | YES |
| Earn Interest | YES** | YES** | YES** | NO |
| VISA Debit Cards | YES - with approved application, must be 18 or older to receive a debit card | YES - with approved application, must be 18 or older to receive a debit card | YES - with approved application, must be 18 or older to receive a debit card | YES - with approved application, must be 18 or older to receive a debit card |
| FREE Digital Banking & E-Statements | YES | YES | YES | YES |
| Digital Banking Features | Secure access to accounts Imaged checks & deposits Mobile App Mobile Deposit Transfer funds and make loan payments | Secure access to accounts Imaged checks & deposits Mobile App Mobile Deposit Transfer funds and make loan payments | Secure access to accounts Imaged checks & deposits Mobile App Mobile Deposit Transfer funds and make loan payments | Secure access to accounts Imaged checks & deposits Mobile App Mobile Deposit Transfer funds and make loan payments |
| Bill Pay | FREE** If Rewards requirements are met | YES - $10 Monthly Fee | YES - $10 Monthly Fee | YES - $10 Monthly Fee |
| ATM Fee Refunds | Up to $25 per cycle*** | NO | NO | NO |
| Service Fees | Zero Service Fees | Zero-to-Low Service Fees. Average daily balance of $1,000 avoids service fees. | Zero-to-Low Service Fees. Average daily balance of $2,500 avoids service fees. | Zero-to-Low Service Fees. Average daily balance of $250 avoids service fees. No minimum balance requirement if under age 22. |
| View Disclosure | Rewards Checking Account Disclosure | NOW Checking Account Disclosure | Unavailable online, please contact us to learn more. | Regular Checking Account Disclosure |
* No minimum balance requirement if under age 22. 22+ minimum to open account is $100.
** Rewards Checking: Please note that debit card transactions do not always post and clear on the day of purchase. Debit card transactions must post and clear your account within the statement cycle. It is recommended that you do not wait until the end of the cycle to make your debit card transactions, as they may not be posted in a timely manner. Please note: To meet the Rewards Checking requirements you must access your BankORION Digital Banking at least once during the qualification cycle. The qualification cycle is the period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Should the statement cycle end on a Saturday, Sunday or Federal Holiday the qualification cycle will end two business days prior to the close of the current statement cycle. A Rewards Checking Calendar is located on the following website: www.bankorion.com. Please review the calendar to determine the monthly statement cycle. Rates may change after the account is opened. Fees may reduce earnings. Consumer purposes only. No monthly account maintenance fees. No Bill Pay Fee. Limit two Rewards Checking Accounts per household.
Rewards Checking Annual Percentage Yield (APY) accurate as of 10/18/21. Minimum to open account is $100. Rate tiers are as follows: Reward Rates 1.51% APY applies to balances of $.01–$15,000 and 0.10% APY paid on balances over $15,000 as long as qualifications are met each cycle. The APY for accounts with balances over $15,000 will range from 1.51% to 0.10%. Base Rate 0.01% APY will be earned on all balances if qualifications are not met. All balances will earn 1.51% APY to 0.10% APY as long as qualifications are met.
** NOW Checking and Super NOW Checking: $100 minimum deposit to open. Rates may change after the account is open. Fees may reduce earnings. APY = Annual Percentage Yield.
***ATM fee refunds up to $25 per cycle when qualifications are met.
Rate information - At our discretion, we may change the interest rates for this account.
*Please note that debit card transactions do not always post and clear on the day of purchase. Debit card transactions must post and clear your account within the statement cycle. It is recommended that you do not wait until the end of the cycle to make your debit card transactions, as they may not be posted in a timely manner. Please note: To meet the Rewards Checking requirements you must access your BankORION Digital Banking at least once during the qualification cycle. The qualification cycle is the period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Should the statement cycle end on a Saturday, Sunday or Federal Holiday the qualification cycle will end two business days prior to the close of the current statement cycle. A Rewards Checking Calendar is located on the following website: www.bankorion.com. Please review this calendar to determine the monthly statement cycle. Rates may change after the account is opened. Fees may reduce earnings. Consumer purposes only. No monthly account maintenance fees. No Bill Pay Fee. Limit two Rewards Checking Accounts per household.
*Annual Percentage Yield (APY) accurate as of 10/18/21. Minimum to open account is $100. Rate tiers are as follows: Reward Rates 1.51% APY applies to balances of $.01–$15,000 and 0.10% APY paid on balances over $15,000 as long as qualifications are met each cycle. The APY for accounts with balances over $15,000 will range from 1.51% to 0.10%. Base Rate 0.01% APY will be earned on all balances if qualifications are not met. All balances will earn 1.51% APY to 0.10% APY as long as qualifications are met.
**ATM fee refunds up to $25 per cycle when qualifications are met.
PLEASE NOTE: Debit card transactions do not always post and clear on the day of purchase. Debit card transactions must post and clear your account within the statement cycle. It is recommended that you do not wait until the end of the cycle to make your debit card transactions, as they may not be posted in a timely manner.
To meet the Rewards Checking requirements you must access your BankORION Digital Banking at least once during the qualification cycle. To earn your rewards, the minimum account requirements must be performed prior to the cut-off date indicated by the dates.
*The qualification cycle is the period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Should the statement cycle end on a Saturday, Sunday or Federal Holiday, the qualification cycle will end two business days prior to the close of the current statement cycle.
Love Banking Here! I use 3 of their locations on a regular basis and each one I go to is great. They know me every time I walk in and help me with any issues I have. Hopefully they will get a Muscatine location soon!Jake B.
