Basic Banking Account

This account is ideal as a young person’s first account or for those who have had problems with overdraft fees in the past. You won’t face these high fees, because you can’t overdraw this account.

There are no checks with this account. You will have a free ATM/Debit card that you can use for purchases and to withdraw cash without a fee at over 30,000 ATMs nationwide (including 200 in Metro St. Louis and 50 in Springfield, IL). But if you don’t have sufficient funds in the account, the purchase or withdrawal will be declined.

It also includes free direct deposit, plus free online and mobile banking (but not online bill pay). There’s a $25 minimum deposit to open the account and a $5 monthly fee.

You may also be interested in these accounts:

Totally Free Checking

This full-featured account is our customers' favorite, because it's truly free. There's no minimum balance to avoid monthly fees and you can open the account with as little as $25. 

Totally Free Savings

This is a great way to save for what's important to you. You can open the account with as little as $25 and there are no monthly fees.

Credit Builder Loan

Use our Credit Builder Loan to establish or rebuild your credit rating. You borrow $500 to $2,500, and invest it in a Carrollton Bank Certificate of Deposit. As you make timely payments on the loan, your credit score gets established or improves. When you make your last loan payment, you may withdraw the CD, plus the interest. Learn more

Secured Credit Card

If you've been turned down for a credit card and need to re-build your credit rating, choose our Secured Credit Card. You make a deposit with us in any amount from $300 to $5,000 and then you receive a credit line matching your deposit. Merchants and retailers won't know that the credit card you're using is secured, it will work just like other credit cards. There is a $35 annual fee. Learn more