If you're looking to maximize your earnings and manage your money wisely, you've come to the right place. In this blog, we'll explore Banterra's exceptional checking and savings accounts and all they have to offer. Whether you are saving for the future or seeking seamless everyday transactions, our accounts are designed to help you harvest your income effectively. 

Checking Accounts 

At Banterra Bank, we understand that customers seek checking accounts tailored to their needs. That is why we provide a variety of account options, each equipped with a range of features – from earning interest and identity theft protection, to essential services and opportunities for a new beginning. Additionally, every account comes with digital banking so you can bank when it’s convenient for you - online or using a mobile device. Stop by your nearest branch for an in-person experience or visit Banterra.bank to open and account online. 

Traditional Checking Accounts 

If you are looking for a traditional checking account, Banterra offers three great options.  

Banterra Green Checking  

The Banterra Green Checking account is designed for customers who wish to embrace eco-friendly practices by adopting paperless methods such as making purchases with their debit card and taking advantage of digital banking services. 

Banterra SmartChoice Checking  

With the Banterra SmartChoice Checking account, you will enjoy advantages like safeguarding against identity fraud and even coverage for your cell phone in case it is lost or stolen. This is all available for a low monthly fee. 

Banterra InterestPlus Checking 

The Banterra InterestPlus Checking account grants interest on your account balance, offers rewards for maintaining a higher balance, and provides a means to bypass monthly fees. 

Specialized Checking Accounts 

Banterra is proud to understand the unique needs of each of our customers, giving reason to four specialized checking account options.  

Private Banking Checking 

This account is part of Banterra Private Banking which consists of an array of specialized products and services, including an exclusive checking account tailored for private banking clients. You will have your very own dedicated Banterra Private Banking Representative to provide personalized assistance in overseeing your financial and banking requirements. Presently, this service is currently available in the following regions: Arizona, Indiana, Missouri, and Utah; contact your local branch to learn more. 

Company Employee Checking 

Your organization or educational institution might have an exclusive arrangement tailored specifically for you and your colleagues. If your HR department has shared details about this distinctive Banterra offer, feel free to reach out to your nearby Banterra branch. They will gladly provide more information and guide you through the process of opening an account. 

Banterra Restart Checking 

If you're aiming to rebuild your finances following certain economic challenges, Banterra's Restart Checking presents an ideal choice. This account furnishes attributes that empower you to take charge of your financial situation.  

Banterra Restart Basic  

For those seeking a simpler method to rejuvenate their finances, consider exploring the Banterra Restart Basic account. This account provides all the benefits found in the Banterra Restart Checking account, with the exception of unrestricted check writing. The good news is that Banterra Restart accounts can be smoothly transferred to alternative checking choices, if your account maintains a positive status. 

SIU Saluki Checking 

Because we are a proud supporter of Southern Illinois University, we offer two checking account options for Saluki fans and students that include a Banterra-SIU Saluki Visa® Debit Card, which contributes to the Banterra-SIU Scholarship Fund. 

Banterra Saluki Interest Checking 

This account includes tiered interest along with many other features including no Banterra ATM/ITM fees at 40+ branches and 55,000+ Allpoint ATMs worldwide. 

Banterra Saluki Student Checking 

This account is for customers 25 years old or younger with a low opening balance requirement and several features that keep you financially stable while teaching the importance and basics of everyday checking.  Combine this account with a Banterra-SIU Saluki Visa Debit Card to show your Saluki Pride with every transaction. 

Visit our Checking Accounts page and explore our different available accounts options. By comparing their different offerings and benefits, you can determine which account will meet your needs best.  

Savings Accounts 

We understand that your financial journey is unique, and that's why at Banterra we offer a diverse range of savings accounts catered to you. Whether you're envisioning a brighter future for your child's education or preparing for a comfortable retirement, striving toward personal savings milestones, or seeking a secure financial buffer for life's uncertainties, we have the perfect savings product to assist you.  

Traditional Savings Accounts  

Banterra Preferred Savings  

This account is ideal for those seeking to earn interest on accounts with larger balances, even if there are times when the balance is lower. 

Banterra SmartKid Savings  

For kids, this is an excellent account for initiating your savings journey from a young age. At age 22, this account will convert to a Preferred Savings account, offering even more benefits. 

Money Market Accounts 

Banterra Money Market 

The perfect choice for balances ranging from $2,500 to $10,000. Money market accounts work like other deposit accounts, such as savings accounts, but typically offer a higher rate of return. 

Banterra Preferred Money Market 

Banterra Preferred Money Market is ideal for maintaining a minimum balance of $10,000, with the added benefit of increased earnings as your balance continues to grow. 

Banterra Health Savings Account (HSA) 

This account can complement a high-deductible health plan, allowing you to save and conveniently cover medical expenses. 

Certificates of Deposit (CDs) 

Banterra offers a wide range of CDs to fit your financial objectives. Terms start at 30 days and go all the way up to 48-months. Learn more about our CDs here. 

IntraFi Network Deposits 

With IntraFi, your large deposits can be safeguarded by using a network of banks, while working directly with Banterra. IntraFi offers ICS (IntraFi Cash Service) for putting funds into savings or money market accounts, and CDARS for putting funds into CDs. 

Take a moment to visit our Savings Accounts page and explore the range of options available. Assess their different features and advantages and find the account that best aligns with your financial goals. 

Discover the world of financial possibilities with Banterra Bank's unmatched checking and savings accounts. With user-friendly online account opening and personalized experiences at our local branches across six states, achieving your financial goals has never been more accessible. Click here to set up an account with us today.