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Must be linked to a PossibilitiesCHECKING account.

  • 0.35% APY* interest earned if qualifications are met in your PossibilitiesCHECKING each monthly qualification cycle
  • Base Rate of 0.10% APY* if qualifications are not met
  • Interest from PossibilitiesCHECKING automatically deposited into PossibilitiesSAVER
  • PossibilitiesCHECKING Nationwide ATM fee reimbursements** automatically deposited into PossibilitiesSAVER
  • No monthly charge nor minimum balance to earn rewards
  • Free Online Banking
  • Free e-Statements
  • Free TeleBanker access
  • Direct Deposit available
  • FDIC insured



3 Easy Steps

To enjoy all of these great benefits, simply meet the following easy qualifications on your PossibilitiesCHECKING account:

Have at least 12 debit card purchases post and settle to your PossibilitiesCHECKING account per monthly qualification cycle

Have one Automatic Payment or Direct Deposit post and settle to your PossibilitiesCHECKING account per monthly qualification cycle

Receive e-statements

If qualifications are not met in your PossibilitiesCHECKING account for a monthly qualification cycle, your PossibilitiesCHECKING account will still function as a free checking account and your PossibilitiesCHECKING and PossibilitiesSAVER accounts will both earn the base rate of 0.10% APY*; however, your PossibilitiesCHECKING account will not receive ATM fee reimbursements** for that monthly qualification cycle.

Minimum to open PossibilitiesCHECKING account is $100.00 and $100.00 for PossibilitiesSAVER.

*Annual Percentage Yield (APY) accurate as of May 4, 2015.

PossibilitiesCHECKING account Rate tiers are as follows: 1.01% APY applies to balances of $0.01 - $15,000.00 and balances over $15,000.00 earn 0.15% interest rate on portion of balance over $15,000.00 resulting in 1.01% - 0.26% APY depending on the balance if qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met.

The Annual Percentage Yield (APY) disclosed on the PossibilitiesCHECKING account assumes that interest earned in PossibilitiesCHECKING compounds. However, by choosing to have POSSIBILITIES Saver linked to PossibilitiesCHECKING, you understand that the interest earned in your PossibilitiesCHECKING account is automatically transferred into your POSSIBILITIES Saver account at the end of the statement cycle and therefore does not remain in your POSSIBILITIES Checking account and does not compound. Additionally, you understand that the interest amount earned in the POSSIBILITIES Saver account may be less than the interest amount earned in the POSSIBILITIES Checking account.

Qualifying transactions must post and settle the PossibilitiesCHECKING account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM transactions do not count as qualifying debit card transactions.

PossibilitiesSAVER account rates are as follows: 0.35% APY applies to entire balance if qualifications are met during the qualification cycle on the PossibilitiesCHECKING account and 0.10% APY applies to entire balances if qualifications are not met on the PossibilitiesCHECKING during the monthly qualification cycle.

Rates may change at any time, including after your account is opened. Fees may reduce earnings. No minimum balance required to earn rewards.

** If you have met your qualifications for the specified qualification cycle, we will reimburse you for domestic ATM fees (for your POSSIBILITIES Checking account only) up to $25 per qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM fees of $4.99 or less will be reimbursed when qualifications are met. ATM fees of $5.00 and higher will be reimbursed up to a maximum of $5.00 per individual transaction if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.

Available to Personal Accounts only. Limit one account per person (SSN).

Withdrawals and Payments

The number of withdrawals or transfers from a POSSIBILITIES Saver you make in person, by mail or at an ATM, or transfers for the purpose of repaying Peoples Bank of Kankakee County loans and associated expenses are unlimited. During your statement cycle, you may also make up to six transfers, withdrawals or payments in aggregate to another account with Peoples Bank of Kankakee County or to a third party if made by: pre-authorized transfers or withdrawals, telephone banking service (including telephone, fax, VRU), Peoples Bank of Kankakee County Internet Banking, automatic transfers, check or draft, or at point of sale terminals using your ATM or debit card. Excess withdrawals may result in account being closed. These transactions are considered made on the date the Bank pays out the funds, not the date the withdrawal request was initiated.