Is your checking account primarily used to pay your monthly bills? Are you worried about maintaining balances to avoid service charges? If you answered yes, then our Free Checking Account is for you!

Economy and ease best describe our non-interest earning Free Checking account. You can write as many checks as you need, while never worrying about a monthly charge! ATM transactions are now free at any ATM in the Money Pass or Sum surcharge-free networks!  

This account features Check Imaging. You receive front copies of all canceled checks with your monthly statement.

The My Village Checking account gives you total access to your account with out any hassles or fees. This no minimum balance interest bearing account offers unlimited FREE ATM access nationwide – even if another bank charges you for using their ATM, we will refund that fee back to you! Other great services with this account include:

• First order of checks printed free
• No limit to the number of checks written per month
• No minimum balance and no monthly fee
• Free Online Banking and Bill Payment

This account features Check Imaging. You receive front copies of all canceled checks with your monthly statement

* Must maintain a minimum daily balance of $.01 in the account each day to obtain the disclosed APY.

My Village Checking Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded every month and credited to your account every month.

Our SingleSolution Checking™ Account is the only account you'll ever need. It is a checking account that rewards higher account balances with higher interest rates.

• Interest bearing checking where your rate increases with your balance! See a Personal Banker for the most current rates.
• May be opened with a deposit of $100
• There is a minimum daily balance of $500 or an average daily balance of $1,500 required to avoid a monthly service charge of $10
• Unlimited check writing

Single Solution Checking is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.

This account is for people 50 years and older. Enroll in a Platinum Preferred Account and receive a great checking product plus a host of free and discounted products and services!

Features/Benefits

• Free interest bearing checking
• No minimum balance and no monthly fee*
• Tiered account interest - the higher the balance, the higher the rate
• FREE first order of specialty imprinted checks**
• FREE bank checks for life
• NO ANNUAL FEE ATM or MasterCard debit card
• Free access to SUM and MoneyPass ATMs in the Chicagoland area
• FREE single signature traveler's checks, money orders and cashier's checks
• FREE Notary Services
• FREE Online Banking and Telebank
• FREE Bill Pay
• FREE Quicken and Microsoft Money download capabilities
• 10 FREE photocopies or local fax transmissions per month

This account features check imaging.

*Overdraft charges and fees for special services may apply.

**Limitations apply on type of check and quantity ordered. 

***Must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed APY.

Our Junior Savers Club Account™ teaches children and young adults under 18 the rewards of saving while making banking FUN!

In addition to learning one of life's most valuable lessons, Junior Savers will receive:

• A Personalized passbook with identification as a Junior Savers Club member
• Extra savings to be sure your account grows
  
  • All regular account service charges are waived for Junior Savers
• A special JSC Bank to inspire daily at-home saving
• Our exclusive "Treats Dollar" gift certificate each time the account balance exceeds its previous high balance by $100. Certificates may be redeemed at local participating merchants.
• And lots of other great goodies and fun activities for Junior Savers. You'll be sent frequent invites to fun Junior Savers Club events and contests.

Teaching kids how to save. It's all part of our commitment to bring traditional community banking back to the community.

Call or stop by one of our friendly personal bankers for more details!

*Federal Regulations allow for a maximum of six (6) preauthorized, automatic, or telephone transfers each month. Withdrawals may be unlimited at ATMs, in person or by mail.

No minimum balance requirement when you are 50 years of age or more. This interest-earning account is available in statement format.

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily period rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (checks). At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

Withdrawal Limits

**Federal regulation allows for a maximum of 6 per month /18 per quarter pre-authorized, automatic, or telephone transfers each month, with unlimited in-person, ATM or by mail withdrawals permitted.

Platinum Preferred Savings is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded quarterly and credited to your account quarterly.

CDARS^® – the Certificate of Deposit Account Registry Service^® – is the most convenient way for safety-conscious investors to access FDIC insurance on multi-million-dollar deposits.

We offer innovative deposit solutions to enable you to have access to multiple million dollars on deposit at one bank. Through the CDARS, our bank places deposits into secure, FDIC insured accounts. Having your funds placed through CDARS could not be any easier or convenient! Stop by either of our branches or click here for more information!

A Village Bank & Trust Certificate of Deposit is a great saving choice for those who don't need access to their accounts for a fixed period of time. We have CDs ranging from 31 days to 5 years with very competitive rates. Start a CD today and plan for the future!

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily period rate to the principal in the account each day. Interest begins to accrue on the business day you deposit. At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

Interest rates vary depending on the term of the CD. Interest is calculated using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.

Take your savings rates to NEW HEIGHTS! The higher your balance, the higher the interest rate!  

Required Daily Balance

*For service charge purposes, the average monthly balance is calculated by the aggregate balance for the month divided by the number of days in the month.

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily period rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (checks). At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

Withdrawal Limits

**Federal regulation allows for a maximum of six (6) pre-authorized, automatic, or telephone transfers each month, with unlimited in-person, ATM or by mail withdrawals permitted.

High Rise Savings is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded every quarter and credited to your account every quarter.

Looking forward to the day you can retire and finally do all the things you wanted to? Allow Village Bank & Trust to help you plan for your retirement. Choose one of our Certificates of Deposit as the perfect place to invest in your retirement. We offer competitive rates, a choice of terms and security of FDIC insurance.

Please consult your tax advisor for the maximum deposit allowed by law.

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily period rate to the principal in the account each day. Interest begins to accrue on the business day you deposit. At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

The tiered rate of interest and the easy accessibility of your funds makes this the perfect investment account.

This account features Check Imaging. You receive front copies of all canceled checks with your monthly statement.

Required Daily Balance

*For service charge purposes, the average monthly balance is calculated by the aggregate balance for the month divided by the number of days in the month.

Interest Earning Accounts

The daily balance method of calculating interest is used on all interest bearing accounts. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (checks). At our discretion, the interest rate or annual percentage yield may change without prior notice on variable rate accounts.

Withdrawal Limits

**Federal regulation allows for a maximum of six (6) checks, drafts or pre-authorized, automatic, or telephone transfers each month, with unlimited in-person, ATM or by mail withdrawals permitted.