Free Personal Checking

Why worry about maintenance fees and minimum balance requirements? Free Checking at Irwin Bank is the simple way to manage your money. No monthly maintenance fee**, no minimum balance, no limit on the number of checks you can write...no hassles! Free Personal Checking also includes a FREE ATM or Check Card, FREE In-Touch telephone banking and FREE Check Safekeeping, where Irwin Bank stores your check images for you!

Free Student Checking

As a college student, Personal Checking including IBT e-Link internet banking is FREE. You will receive your first order of safety paper checks FREE. You can use a foreign ATM up to 8 times per statement cycle and IBT e-link with bill payment is FREE!

Checking With Interest

With a $500 daily balance, you can earn interest with this checking account and avoid the $8.00 monthly fee. You will earn interest on the entire balance, with rates tiered at three levels: $0 - $999.99, $1,000 - $2,499.00 and $2,500+. The higher your daily balance, the more you earn!

Silver Rewards Checking

Our Silver Rewards Checking account was developed for people at least 50 years of age. At Irwin Bank we understand how lifestyles can change over the years. With Silver Rewards Checking, customers can earn interest and receive FREE Membership Checks and reorders, FREE Telephone Banking, FREE Internet Banking with bill payment, and an Irwin Bank Check Card. You also receive special benefits such as FREE (Limited) Notary Service, FREE Financial Planning Consultation and FREE Review of Life Insurance and Annuities.

Maximum Checking

Do you sometimes think that all of the business you give to your bank should be worth more in return? We think so, too. If you maintain a higher account balance or have a qualifying total combined deposit relationship, Maximum Checking will provide the reward you expect. Maximum Checking has just about every banking service you could need and it pays interest on the entire account balance. Best of all, the monthly fee is waived with a qualifying Irwin Bank deposit relationship. Get the maximum reward and the maximum value with Irwin Bank’s Maximum Checking..

Irwin Bank Checking Account Guide

Description	Free Personal Checking	Free Student Checking	Checking w/Interest (Now)	Silver Rewards Checking	Maximum Checking
Monthly fee	NO	NO*	$8.00	NO****	$12.00
Minimum Balance required	NO	NO	NO	NO	NO
Minimum balance tier to waive fee			$500.00		$5,000 acct/ $15,000 total other deposit/$100,000 Uvest or trust/$30,000 outstanding loan balance
Minimum to open account	$50.00	$50.00	$500.00	$50.00	$50.00
Imaged statement	$2.00	$2.00	$2.00	$2.00	X (no charge option)
Relationship: deposit					X
Interest bearing			X	over $500	X
Higher variable savings rates tiered to balance			X	X	X
Free special checks and reorders				X	X
50% discount on Deluxe catalog designer checks				X	X
No-fee ATM/debit card*	X	X	X	X	X
No-Fee Foreign ATM use***	4X	8X	4X	4X	8X
Free telephone access	X	X	X	X	X
Free Internet account access with bill pay	X	X	X	X	X
Periodic special rates on standard CD's					X
Overdraft Protection available	X	X	X	X	Free
FREE Membership checks				X	X
FREE First Check Order of Safety Paper Checks (Max. 150)		X
Safe deposit box					$15.00 annual discount
Loan discounts					X
FREE travelers cheques				X	X
Waiver of CD early withdrawal penalty for medical emergency					X
FREE (Limited) Notary Service				X
FREE Financial Planning Consultation				X
FREE Review of Life Insurance and Annuities				X
Free Direct Deposit available	X	X	X	X	X
*Must be 18 years of age or older.      **Some service or transaction charges may apply.      ***Foreign bank fees may be charged. ****Must be 50 years of age or older.

We Make Banking Convenient for You

ATM Card

Our Automated Teller Machine (ATM) Card allows Irwin Bank customers to bank when and where they like. The Card can be used for withdrawals and account balances at any Star or Cirrus ATM across the country. Deposits can be made with your Card at most Irwin Bank ATMs and purchases may be made at any retailer accepting Point of Sale ATM card use.

Check Card

Irwin Bank has rolled the convenience of our ATM Card and the purchasing power of a check into one convenient card. The Check Card can be used at any ATM just like a basic ATM card. It can also be used anywhere you see the MasterCard logo. But unlike credit cards, the funds are subtracted from your checking account.

Electronic Banking

In-Touch Telephone Banking and our Internet Banking (IBT e-link) services allow you to conveniently access information about your personal checking, savings, CD, Christmas Club, IRA and money market accounts. You can check your balances and make payments to your Irwin Bank Installment, Home Equity and Mortgage loan accounts. You may also transfer funds between checking, saving and home equity lines of credit, review recent check history, or place a stop payment on any check not paid. With IBT e-link and IBT Billpay, you can pay your bills and make Irwin Bank loan payments without licking a stamp or writing a check...right from your computer!

In-Touch telephone banking is a free service. IBT e-link is available in two optional plans each with a low monthly service charge. Banking has never been more convenient!