Checking Accounts

Rockford Bank & Trust has made managing your money even easier. Personalized options, responsive service and knowledgeable employees guarantee you've found a better way to bank. With a variety of checking account options you have the freedom to choose an account that fits both your lifestyle and your financial needs. Access your Rockford Bank & Trust personal checking accounts FREE, 24-hours a day, 7-days a week with Personal Online Banking and 24-Hour Phone Banking.


Rockford Checking

A basic checking account with no minimum balance requirement or monthly service charges.

  • $100 Minimum Opening Deposit
  • No Minimum Balance Requirement
  • No Monthly Service Charge
  • Free Visa® Check Card
  • Free Non-RB&T ATM Transactions1
  • Check Orders - Free 1st Order RB&T Checks
  • Overdraft Savings Protection - $5 per transfer
  • Linked to Rockford Line of Credit2 - Optional
  • Check Images Available Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free 24 hour Telephone Banking

 

U Account5

A free checking account that rewards clients with a market-leading rate and refunds on all other bank's ATM fees.

  • Earn 2.00% APY5 on balances up to $20,000.
  • $100 Minimum Opening Deposit
  • No Minimum Balance Requirement
  • No Monthly Service Charge
  • Variable Interest Earnings - Premium Rate3
  • Interest Calculated - Simple
  • Interest Paid Monthly
  • Free Visa® Check Card
  • Free Non-RB&T ATM Transactions if account requirements are met1
  • Overdraft Savings Protection - $5 per transfer
  • Linked to Rockford Line of Credit2 - Optional
  • Check Images Available Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free 24 Hour Telephone Banking


Rockford Interest

An interest bearing basic checking account with a minimum balance requirement.

  • $100 Minimum Opening Deposit
  • $500 Minimum Balance Requirement
  • $5 Monthly Service Charge (if below minimum)
  • Variable Interest Earnings3
  • Interest Calculated - Simple
  • Interest Paid Monthly
  • Free Visa® Check Card
  • Free Non-RB&T ATM Transactions1
  • Check Orders - Free 1st Order RB&T Checks
  • Overdraft Savings Protection - $5 per transfer
  • Linked to Rockford Line of Credit2 - Optional
  • Check Images Available Via Statement or Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free 24 Hour Telephone Banking


Gold Account4

An interest bearing, no minimum balance checking account for individuals 50 and older.

  • $100 Minimum Opening Deposit
  • No Minimum Balance Requirement
  • No Monthly Service Charge
  • Variable Interest Earnings3
  • Interest Calculated - Simple
  • Interest Paid Monthly
  • Free Visa® Check Card
  • Free Non-RB&T ATM Transactions1
  • Check Orders - Free RB&T Checks
  • Overdraft Savings Protection - $5 per transfer
  • Linked to Rockford Line of Credit2 - Optional
  • Check Images Available Via Statement or Online
  • Free Personal Online Banking and Online Bill Pay
  • Free eStatements
  • Free 24 Hour Telephone Banking

 

Refer to Rockford Bank & Trust's rate sheet for information on interest rates and annual percentage yields.

 

1 Rockford Bank & Trust will not charge you a fee for using another financial institutions ATM, however the other institution may assess a fee. For U Account customers, fees charged by other financial institutions may be refunded up to $20.00 per month if account requirements are met.

2 Subject to credit approval.

3 Refer to Rockford Bank & Trust rate sheet for information on interest rates and annual percentage yields.

4 Must be 50 years of age or older.

5Annual Percentage Yield.  Rate may change after account opening.  APY is accurate as of February 13, 2017 and is not an introductory rate.  Account requirements to obtain premium APY and ATM fee refunds:  you must have an opening deposit of $100, meet required 15 Visa Check Card point-of-sale transactions posted per statement cycle, receive your monthly statements via eStatements with a valid email address, and enroll in Online Banking and set up a minimum of one direct deposit or direct debit.  If account requirements are met, the portion of your daily balance of $20,000 or less will earn 2.00% APY.  Daily balances of $20,000.01 or more will earn a range of 2.00% to 0.44% APY.  If account requirements are not met, all account balances will earn 0.00% to 0.01% APY.  Maximum ATM fee refund of $20.00 per month.  Fees may reduce earnings.  Accounts closed within 90 days will be charged $20.00.  Limit 1 U Account per social security number.