Experience 5.00% APY* & Exclusive Rewards with Lisle Savings Bank’s High Interest Checking.
| Features |
Benefit |
5.00% APY*
Details |
Watch your money grow faster! If you don’t meet qualifications, you’ll still earn 0.05% APY* and can start earning it again the following month. |
| Debit Card Rewards |
Earn points on everyday purchases – just like a credit card! |
| Up to $20/Month ATM Rebates |
Use any ATM, anywhere, and get those pesky fees back. |
| 40,000+ Surcharge-Free ATMs |
Convenient access to your cash through the nationwide MoneyPass® network |
| Low Fees |
Enjoy no monthly maintenance fees - keep more of your hard-earned money. |
| Zelle® & Mobile Payments |
Send and receive money easily and securely with friends & family.1 |
| Mobile Capture |
Deposit checks from the comfort of your home. |
| Easy Access Support |
Talk to real people in Lisle who care – no frustrating 1-800 numbers. The kind of personal service only a true community bank can offer. |
| Easy Online Account Opening |
Coming Soon |
1U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
How to Maximize Your Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your free High Interest Checking account during each Monthly Qualification Cycle:
- Have at least 12 debit card purchases
- Have at least 1 direct deposit or ACH credit or debit transaction
- Be enrolled in and agree to receive eStatements
And if you don’t meet these qualifications, don’t worry! You’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
What Your Account Includes
Make your banking experience more rewarding with a free checking account that pays, every month you qualify! Earn high interest on your balance and skip the fees.
- $50.00 minimum deposit to open
- No minimum balance to earn rewards
- No monthly maintenance fees
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)
- 5.00% APY* on balances up to and including $15,000
- 5.00% to 1.09% APY* on balances over $15,000 depending on balance in account
- 0.05% APY* on all balances if qualifications aren't met
- Link to free High Interest Savings to build savings automatically
Frequently Asked Questions (FAQ)
Balances up to $15,000 earn an APY of 5.00%. Balances over $15,000 earn an APY of 5.00% to 1.09% depending on the balance in the account.
Yes, our High Interest Checking account is completely free. There are no monthly maintenance fees or minimum balance requirements to earn rewards.
To earn our premium rate and rewards, you need to have at least 12 debit card purchases, at least 1 direct deposit or ACH credit or debit transaction, and be enrolled in and agree to receive eStatements during each monthly qualification cycle.
You’ll earn points on everyday debit card purchases, similar to credit cards. These points can be redeemed for travel, gas, brand merchandise, and more – rewarding you for the things you already buy.
We’ll reimburse you for ATM withdrawal fees charged by other banks, nationwide, up to $20 per month. Simply use any ATM, and we’ll refund the fees.
Yes! As a Lisle Savings Bank customer, you have access to over 40,000 surcharge-free ATMs nationwide through the MoneyPass® Network.
Yes, opening a High Interest Checking account grants you exclusive access to our high-yield savings account, offering a premium interest rate to help your savings grow even faster.
After opening your account, simply login to our online banking platform and select the option to enroll in eStatements. It’s quick, easy, and helps you meet a qualification for rewards.
Absolutely! While we are based in Lisle, we proudly serve customers throughout DuPage, Will, and Kane Counties, including cities like Naperville, Downers Grove, Woodridge, Wheaton, Aurora, Bolingbrook, and Glen Ellyn.
Our High Interest Checking account includes convenient digital tools like access to Zelle® for easy money transfers, Mobile Wallet for secure payments, Bill Pay for online bill management, and Mobile Capture to deposit checks using your smartphone.
By banking with us, you’re investing in your local community. Every transaction helps support a community bank committed to Lisle and the surrounding area for generations, sponsoring local events and supporting families and small businesses.
Unlike larger banks, we offer easy access to support from real people in Lisle who care. You’ll talk directly to friendly, knowledgeable staff – no frustrating 1-800 numbers or endless phone trees.
Lisle Savings Bank’s market area is in DuPage, Will, & Kane Counties, which includes the following cities: Aurora, Batavia, Darien, Elmhurst, Naperville, Oakbrook Terrace, St. Charles, Warrenville, West Chicago, Wood Dale, Addison, Bartlett, Bensenville, Bloomingdale, Bolingbrook, Burr Ridge, Carol Stream, Clarendon Hills, Downers Grove, Elk Grove Village, Glendale Heights, Glen Ellyn, Hanover Park, Hinsdale, Itasca, Lemont, Lisle, Lombard, Oak Brook, Roselle, Schaumburg, Villa Park, Wayne, Westmont, Willow Springs, Willowbrook, Winfield, & Woodridge. Some cities listed may extend beyond DuPage, Will, & Kane County. Certain municipalities span multiple counties; only the portions within DuPage, Will, or Kane are included in our primary market area. While the cities and villages listed are part of our market area, a few may partially extend beyond DuPage, Will, or Kane County.
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.
See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
"Banking Day" means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.
Reward Information:
When your High Interest Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your High Interest Checking account earn an interest rate of 4.89%, resulting in an APY of 5.00%. Daily balances over $15,000.00 earn an interest rate of 0.50% on the portion of the daily balance over $15,000.00, resulting in a range from 5.00% to 1.09% APY, depending on the account's daily balance.
You will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your High Interest Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Cashback Rewards Checking, High Interest Checking, and Mortgage Advantage Checking transactions via ATM; High Interest Savings ATM transaction fees are not reimbursed nor refunded.
When your High Interest Checking qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05%, resulting in an annual percentage yield of 0.05%, and ATM withdrawal fees are not refunded.
Interest will be credited to your High Interest Checking account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 09/02/2025.
APY calculations are based on an assumed balance of $15,000.00 + $100,000.00 in your High Interest Checking account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after your account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply.
A minimum deposit of $50.00 is required to open the account.
The conditions of this account in order to receive rewards after the Monthly Qualification Cycle are the following: be enrolled in and agree to receive e-statements, at least one (1) direct deposit or ACH credit or debit transaction posts and settles during the Monthly Qualification Cycle, and at least twelve (12) debit card purchases post and settle during the Monthly Qualification Cycle.
Limit of one (1) Cashback Rewards Checking, High Interest Checking, or Mortgage Advantage Checking account per primary social security number.
There are no recurring monthly maintenance charges or fees to open or close this account unless closed within 30 days of opening.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.
Member FDIC.