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Best Banks & Checking Accounts in Bloomington, Illinois - May 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 15, 2026

The best checking rates for Bloomington, Illinois include Flanagan State BankFlanagan State Bank2401 E Washington St, Bloomington, IL 61704A5.0 ★Texas Ratio: 10.36% Interest Checking at 0.05% APY, Citizens Equity First Credit UnionCitizens Equity First Credit Union2323 E Empire St, Bloomington, IL 61704 8253A5.0 ★Texas Ratio: 6.76% Dividend Checking TIER-3 at 0.40% APY, Bank of PontiacBank of Pontiac4001 General Electric Rd, Bloomington, IL 61704A+5.0 ★Texas Ratio: 1.52% Interest Checking Tier II at 0.05% APY, University of Illinois Community Credit UnionUniversity of Illinois Community Credit Union1722 E Hamilton Rd, Bloomington, IL 61704A+5.0 ★Texas Ratio: 5.86% Loyalty Checking at 0.05% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY. Checking account rates as of May 15, 2026 according to verified data from MonitorBankRates.

Bloomington has 4 local institutions in our database, with checking rates as high as 1.50% APY from Flanagan State Bank at 2401 E Washington St, Bloomington, IL, 61704. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Bloomington, Illinois. Checking Account Rates Last Updated and Verified: May 15, 2026

Compare Checking Account Rates Today in Bloomington, Illinois & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: $50,000 and Over

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
2323 E Empire St
Bloomington, IL 61704 8253
Dividend Checking TIER-3
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
2323 E Empire St
Bloomington, IL 61704 8253
Dividend Checking TIER-2
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
2323 E Empire St
Bloomington, IL 61704 8253
Dividend Checking TIER-1
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
0.25%
$10,000
View
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99

Bank of Pontiac
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
4001 General Electric Rd
Bloomington, IL 61704
Interest Checking Tier II
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.86%
1722 E Hamilton Rd
Bloomington, IL 61704
Loyalty Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Interest Checking
0.05%
$1,000
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Bank of Pontiac
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
4001 General Electric Rd
Bloomington, IL 61704
Interest Checking Tier I
0.02%
$500
View
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
0.00%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: Less than $10,000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Ultimate High Yield Checking
5.50%
$0
View
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $25,000.00

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
High Interest Reward Checking
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
Xtraordinary Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Gas and Electric Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
Green2 Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $15,000.00

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
InCENTIV Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Interest Checking
0.05%
$1,000
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Bank of Pontiac
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
4001 General Electric Rd
Bloomington, IL 61704
Interest Checking Tier II
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Bank of Pontiac
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
4001 General Electric Rd
Bloomington, IL 61704
Interest Checking Tier I
0.02%
$500
View
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Ultimate High Yield Checking
5.50%
$0
View
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $25,000.00

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
High Interest Reward Checking
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
Xtraordinary Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Gas and Electric Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
Green2 Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Platinum Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
InCENTIV Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

FNB Of Nokomis
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
Rewards Checking
3.05%
$1
View
▼
Rate3.00%
Min Deposit$1
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $25,000.00

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Hero Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Amped Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1st Rate Checking Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
InCENTIV Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
InCENTIV Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Alliance Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Alliance Community Checking
2.48%
$0
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$1,500,000.00 and up

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
High Interest Reward Checking
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

FNB Of Nokomis
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
Rewards Checking
3.05%
$1
View
▼
Rate3.00%
Min Deposit$1
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $25,000.00

First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★ Texas Ratio: 10.33%
Rewards Checking
2.02%
$500
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

State Bank Waterloo, IL
Institution Rating:
B4.6 ★ Texas Ratio: 20.21%
Cash Rewards Checking
1.75%
$50
View
▼
Rate1.74%
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $10,000

Bank of Herrin
Institution Rating:
B+4.8 ★ Texas Ratio: 16.91%
Reward Checking
1.11%
$100
View
▼
Rate1.10%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $24,999.99

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Rewards+ Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $5000

State Bank Waterloo, IL
Institution Rating:
B4.6 ★ Texas Ratio: 20.21%
Cash Rewards Checking
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★ Texas Ratio: 10.33%
Free Checking with Interest
0.10%
$500
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Eureka Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Essential Plus Checking
0.10%
$2,500
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

BankChampaign
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Lifetime Free NOW Checking
0.05%
$300
View
▼
Rate0.05%
Min Deposit$300
Min Balance—
UpdatedMay 5, 2026
Details

No daily balance required to earn interest

Central Federal SLA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.92%
Basic Checking
0.02%
$200
View
▼
Rate0.02%
Min Deposit$200
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Free Checking Plus Interest
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Rates can change daily, Daily compounding

Central Federal SLA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.92%
Totally FREE Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Mutual Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Free Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Student Checking
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Rates can change daily, Daily compounding

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: $50,000 and Over

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
0.25%
$10,000
View
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2401 E Washington St
Bloomington, IL 61704
Premier Business Checking Business
0.00%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details

Minimum Deposit to Open and Obtain APY*: Less than $10,000

First National Bank in Olney
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Business Plus Checking Business
2.02%
$1,000
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Elite Business Checking Business
1.92%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Elite Business Checking Business
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Elite Business Checking Business
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

First National Bank in Olney
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Business Plus Checking Business
1.51%
$1,000
View
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
1.35%
$1,000
View
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
1.00%
$1,000
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

First National Bank in Olney
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Business Plus Checking Business
1.00%
$1,000
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Business Interest Checking Business
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
Community Business Checking Business
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Fairview State Banking Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Business Interest Bearing Checking Account Business
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Fairview State Banking Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Business Interest Bearing Checking Account Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

The Clay City Banking Co.
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
Business Checking Plus Business
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Alliance Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Business Interest-Bearing Checking Business
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$100,000.00 and up

First National Bank in Olney
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Business Plus Checking Business
0.60%
$1,000
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Bloomington, IL Checking Rate Trends

Compare local Bloomington, IL checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Illinois Checking Trends →
High-Yield Checking — IL Avg
2.200%
▲ 0.269 vs 7 days ago

Illinois high-yield checking rates rose 0.269 points over the past 7 days to 2.200% APY.

Free Checking — IL Avg
1.041%
▲ 0.103 vs 7 days ago

Illinois free checking rates rose 0.103 points over the past 7 days to 1.041% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bloomington, Illinois checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Bloomington, Illinois directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Bloomington, Illinois. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in IL.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Bloomington, Illinois earn interest?

Most traditional local checking accounts in Bloomington, Illinois earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Bloomington, Illinois FDIC insured?

Yes. Legitimate banks with branches in Bloomington, Illinois are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Bloomington, Illinois

Based on our current data, some of the highest checking account APYs available to residents of Bloomington, Illinois include:
  • Flanagan State Bank
    Interest Checking — 0.05% APY
  • Citizens Equity First Credit Union
    Dividend Checking TIER-3 — 0.40% APY
  • Bank of Pontiac
    Interest Checking Tier II — 0.05% APY
  • University of Illinois Community Credit Union
    Loyalty Checking — 0.05% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Bloomington, Illinois. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 15, 2026

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