Personal

Deposit Products

Personal Checking Accounts

Ixonia Bank offers a variety of checking account plans in order to accommodate your lifestyle. For all of our checking accounts, the following apply:

  • $100 to open
  • No Annual Fee Debit Card
  • Free ATM Transactions(1)
  • Free 24-Hour Telephone Banking
Product 

Freedom Checking

Patriot Checking

Ultimate Interest Checking

Star Checking

Account Overview

For those who prefer to handle their money electronically.

A traditional checking account with a low monthly minimum balance.

A tiered interest rate account for those who maintain a higher balance.

An account for those 50+ or Active Military/Veterans. Pays interest with
no minimum balance.

Interest Paid

None

None

Current Rates

Current Rates

Minimum Balance Required to Avoid Charges

None

$300

$1,000

None

Monthly Service Charge

None

$8.00

$7.50

$3.00

To Reduce Monthly Service Charges

N/A

1) $5.00/month waived when $300 minimum balance is maintained during statement cycle.

2) $3.00 credit applied to Service Charge with eStatement enrollment.

$7.50/month waived when $1,000 minimum balance is maintained during statement cycle.

$3.00 credit applied to Service Charge with eStatement enrollment.

FREE Online Banking(2)

Required

Check

Check

Check

Statement Delivery

Electronic(3)

Paper

Electronic(3) or Paper

Electronic(3) or Paper

FREE Mobile Banking with Mobile Deposit 

(2,3,4,5)

Check

Check

Check

Check

Online Bill Pay(3,6)

Check

Check

Check

Check

Other Benefits

     

FREE box of checks each year.(7) FREE 3x5 Safe Deposit Box for 1 Year. (8) FREE consultation with Ixonia Wealth Management Advisor, FREE account activity printout, FREE copies of personal documents.

Online Account Opening

Open Account Now

 

Open Account Now

Open Account Now

To view fees associated with your Ixonia Bank deposit account(s), click here.

To learn what required documents you will need when opening up an Ixonia Bank Personal Checking account, click here.

All Ixonia Bank Personal Checking Accounts that earn interest are calculated using an Annual Percentage Yield (APY) and are accurate as of the date listed on the rate sheet

Check = Available with Enrollment
(1) Other banks may charge usage fees at ATMs not operated by Ixonia Bank, unless part of the ATM Access Network. Click here to learn more about Ixonia Bank's Debit and ATM cards, or see ATM Access Network Brochure for more details.
(2) Transactions made after 6:00PM, on weekends, and on holidays (including Federal ones) will be processed the next business day.
(3) Must be enrolled in Online Banking
(4) Message and data rates may apply. Contact your mobile phone service provider for more details. Ixonia Bank Mobile App must be downloaded. The use of the Mobile Deposit feature requires a supported camera-equipped device. Mobile Deposit is available for iPhone® and Android™ phones.
(5) Deposits are subject to verification and not available for immediate withdrawal. The current daily deposit limit is $10,000 per day, and the current per check limit is $10,000. Other restrictions may apply. Contact us for more details.
(6) You must have an Ixonia Bank personal checking account and be an Online Banking user to use Ixonia Bank's Online Bill Pay. A $5.00 fee will be charged to each Online Bill Pay enabled account for each monthly cycle (based on your enrollment date) in which you do not initiate a payment through Online Bill Pay. The $5.00 fee will be waived for each monthly cycle during which you initiate at least one payment through Online Bill Pay.
(7) Free checks applies to single style checks. One free order of checks per year.
(8) Subject to availability. Annual fee is waived for first year. Subsequent annual charges will be automatically debited from customer's checking account at current safe deposit box charge.
All products and services are subject to approval. Other restrictions may apply. Contact us for additional information.
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