Personal Checking Accounts

Ixonia Bank offers a variety of checking account plans in order to accommodate your lifestyle. 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.

Account Type

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

Interest compounds monthly and is credited monthly.

Current Rates

Interest compounds monthly and is credited monthly.

Minimum Balance to Open

$100

$100

$100

$100

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.

Required

Available

Available

Available

Statement Delivery

Electronic(3)

Electronic(3) or Paper

Electronic(3) or Paper

Electronic(3) or Paper

FREE Mobile Banking with Mobile Deposit(2,3,4,5)

Available

Available

Available

Available

Available

Available

Available

Available

Other Benefits

No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

FREE box of checks each year.(7) FREE 3×5 Safe Deposit Box for 1 Year. (8) FREE consultation with Ixonia Wealth Management Advisor, FREE account activity printout, FREE copies of personal documents. No Annual Fee Debit Card.
FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

Account Type

Account Overview

Freedom Checking

For those who prefer to handle their money electronically.

Patriot Checking

A traditional checking account with a low monthly minimum balance.

Ultimate Interest Checking

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

Star Checking

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

Account Type

Interest Paid

Freedom Checking

None

 

Patriot Checking

None

Ultimate Interest Checking

Current Rates

Interest compounds monthly and is credited monthly.

Star Checking

Current Rates

Interest compounds monthly and is credited monthly.

Account Type

Minimum Balance to Open

Freedom Checking

$100

Patriot Checking

$100

Ultimate Interest Checking

$100

Star Checking

$100

Account Type

Minimum Balance Required to Avoid Charges

Freedom Checking

None

Patriot Checking

$300

Ultimate Interest Checking

$1,000

Star Checking

None

Account Type

Monthly Service Charge

Freedom Checking

None

Patriot Checking

$8.00

Ultimate Interest Checking

$7.50

Star Checking

$3.00

Account Type

To Reduce Monthly Service Charges

Freedom Checking

N/A

Patriot Checking

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.

Ultimate Interest Checking

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

Star Checking

$3.00 credit applied to Service Charge with eStatement enrollment.

Account Type

Freedom Checking

Required

Patriot Checking

Available

Ultimate Interest Checking

Available

Star Checking

Available

Account Type

Statement Delivery

Freedom Checking

Electronic(3)

Patriot Checking

Electronic(3) or Paper

Ultimate Interest Checking

Electronic(3) or Paper

Star Checking

Electronic(3) or Paper

Account Type

FREE Mobile Banking with Mobile Deposit(2,3,4,5)

Freedom Checking

Available

Patriot Checking

Available

Ultimate Interest Checking

Available

Star Checking

Available

Account Type

Freedom Checking

Available

Patriot Checking

Available

Ultimate Interest Checking

Available

Star Checking

Available

Account Type

Other Benefits

Freedom Checking

No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

Patriot Checking

No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

Ultimate Interest Checking

No Annual Fee Debit Card. FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

Star Checking

FREE box of checks each year.(7) FREE 3×5 Safe Deposit Box for 1 Year. (8) FREE consultation with Ixonia Wealth Management Advisor, FREE account activity printout, FREE copies of personal documents. No Annual Fee Debit Card.
FREE ATM Transactions.(1) FREE 24-Hour Telephone Banking.

Account Type

Online Account Opening

Freedom Checking

Patriot Checking

Ultimate Interest Checking

Star Checking

(1) Other banks may charge usage fees at ATMs not operated by Ixonia Bank, unless part of the ATM Access Network. Click here 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. Online Banking is offered at no additional cost to personal banking customers. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Ixonia Bank Bill Pay product.
(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.