Personal Banking
While most banks promote "Free Checking", Bank of Eureka Springs is proud to introduce Reward Checking, the most innovative checking account in the country! With Reward Checking, you get Free Checking, Overdraft Privilege, plus FREE ATM Usage Nationwide* and we pay you a whopping 4.51% APY on the first $25,000 of daily collected balances and our Hometown Interest Checking rate on collected balances above $25,000.
To receive your rewards, you only need to do three simple things:
- Access your monthly statement electronically and be an active on-line banking client.
- Use your Bank of Eureka Springs MasterCard debit/check card at least ten times each month.
- Have a recurring Direct Deposit or Automatic Draft tied to your account.
Other features include:
- Free of monthly service charge
- No minimum balance requirements
- Unlimited check writing privileges
- Free BANKChek (debit/atm card) upon approval
- Free e-BankLink online service
- Free e-BillPay unlimited online bill-payment service
- Free 24-hour BankLink telephone service
- Free Notary Services
- $500 Overdraft Privilege (upon approval)
- Itemized monthly electronic statements with imaged items
The annual percentage rate and interest rate are subject to change without notice.
* $20 monthly maximum ATM charges refunded when requirements are met
Hometown FREE Checking
Unlimited checking without a monthly service charge.
- Free of monthly service charge
- No minimum balance requirements
- Unlimited check writing privileges
- Free BANKChek (debit/atm card) or MoneyCard (atm card) upon approval
- Free e-BankLink online service
- Free e-BillPay unlimited online bill-payment service
- Free 24-hour BankLink telephone service
- Free Notary Services
- $300 Overdraft Privilege (upon approval)
- Itemized monthly statements
- Duplicate checks recommended
(imaged copies available upon request @ $1.00 each)
Hometown Plus Checking
Value and benefits combined with the best in daily money management!
- No minimum balance requirements
- Unlimited check writing privileges
- Free personalized club checks
- Free Cashier's Checks and Money Orders
- Free BANKChek (debit/atm card) or MoneyCard (atm card) upon approval
- Free e-BankLink online service
- Free e-BillPay unlimited online bill-payment service
- Free 24-hour BankLink telephone service
- Free Notary Services
- $500 Overdraft Privilege (upon approval)
- Itemized monthly statements with imaged items
- Low statement cycle maintenance fee of $8.00
Hometown Gold Checking
A special Free account for our customers age 50 and better!
- Free of monthly service charge
- No minimum balance requirements
- Unlimited check writing privileges
- Interest earned on balances exceeding $1,000
- Free personalized club checks
- Free Cashier's Checks and Money Orders
- Free BANKChek (debit/atm card) or MoneyCard (atm card) upon approval
- Free e-BankLink online service
- Free e-BillPay unlimited online bill-payment service
- Free 24-hour BankLink telephone service
- Free Notary Services
- $500 Overdraft Privilege (upon approval)
- Itemized monthly statements with imaged items
The annual percentage rate and interest rate are subject to change without notice.
Highlander Checking Account
One lesson to be learned involves managing your money. That's where we can help. A valuable lesson to use the rest of your life.
- FREE Checking Account available to all full time students (until age 25)
- No minimum balance requirements
- No minimum deposit required
- Unlimited check writing privileges
- Free first order of checks (Highlander specialty check)
- Free BANKChek (debit/atm card) or MoneyCard (atm card) upon approval
- Free e-BankLink online service
- Free 24-hour BankLink telephone service
- Free Notary Services
- $150 Overdraft Privilege (upon approval)
- Itemized monthly statements with imaged items
Hometown Interest Checking
Earning interest with checking privileges!
- Earns market interest rate
- Unlimited check writing privileges
- Free BANKChek (debit/atm card) or MoneyCard (atm card) upon approval
- Free e-BankLink online service
- Free 24-hour BankLink telephone service
- Free Notary Services
- $500 Overdraft Privilege (upon approval)
- Itemized monthly statements with items
- Low statement cycle maintenance fee of $10.00 if balance drops below $1,000
The annual percentage rate and interest rate are subject to change without notice.
Money Market Account
Market interest rates with easy access to your funds.
- Tiered interest rates
- Unlimited transfers within Bank of Eureka Springs' accounts
(excluding prearranged transfers) - Free MoneyCard (ATM card)
- Free e-BankLink online service
- Free 24-hour BankLink telephone service
- Free Notary Services
- Itemized monthly statements with items
- Low statement cycle maintenance fee of $10.00 if balance drops below $2,500
This account is limited to 6 transactions per statement cycle with no more than 3 by check, draft or third party.
The annual percentage rate and interest rate are subject to change without notice.
Money Market Rewards
A Money Market checking account that earns CD type rates! Qualifying accounts will earn a substantial premium above our highest market tier.
Now you can keep your money liquid while earning a premium rate. Your REWARD for banking locally - from your true hometown bank.
The qualifications for the Money Market Reward account are simple:
- Maintain a balance of $50,000 or more in a Money Market account
- Maintain an additional transaction checking account with monthly average balance of $2,500 and one recurring direct deposit or direct payment
This account is limited to 6 transactions per statement cycle with no more than 3 by check, draft or third party.
The annual percentage rate and interest rate are subject to change without notice.
