YOUR CHECKING ACCOUNT SHOULD BE SMART, LIKE YOU.

Open a Smart Earners Interest Checking account: With up to 2.50% APY*,
the convenience of checking, and our personalized service, it's one smart deal.

Open My Smart Earners Account

Available to Illinois residents only

ACCESSING YOUR MONEY
SHOULD BE EASY.

Withdraw cash at more than 2,000 Jeanie^® Preferred Network ATMs at no charge
Make deposits at ATMs free of charge*
Transfer funds by phone or via online banking
Arrange for direct deposit of payroll or other funds

EARN UP TO
2.50% APY* WITH SMART EARNERS INTEREST CHECKING

IT'S BUSINESS, BUT
IT'S ALSO PERSONAL.

As a family bank with deep roots in the local economy, we've built our reputation on extraordinary service. Our relationship with our customers is — and always has been — the cornerstone of our business.
For more than 80 years, we've set the standard for customer service. Join our community and find out how much better your local online bank can be.

EARN UP TO
2.50% APY* WITH SMART EARNERS INTEREST CHECKING

Open Account

Available to Illinois
residents only

Great Returns
On Your Money Convenient Access
To Your Money Personalized
Customer Service

A great interest rate is just the beginning.

Learn more about our online accounts.

Exceptional CD Rates

Earn High Interest —
Even as you Spend.

How smart is Smart Earners Interest Checking? It's the kind of interest you'd expect in a savings account — with all the convenience and access of checking:

Reimbursement of non-Cole Taylor Bank ATM transaction fees**

No minimum balance required to earn interest

Unlimited check writing

Free online banking and bill pay

Free eStatements

It's Easy to Qualify

Earn premium interest rates by:

Signing up for online banking and continuing to receive eStatements

Using your Cole Taylor debit card for at least 12 signature-based transactions posted each month

Using direct deposit every month for your paycheck or other funds

Requirements for this account

Exceptional Online Services From a Local Bank

Smart Earners enjoy excellent rates, a suite of convenient online banking services and friendly people — based right here in Illinois.

Cole Taylor has deep roots in the local economy and a commitment to personalized service that reaches back more than 80 years. We built our bank one relationship at a time.

Equal Housing Lender Security Center Terms & Conditions Privacy Policy

*APY = Annual Percentage Yield. Annual Percentage Yield accurate as of 4/26/12. Interest rates are variable and may change at any time without notice. Applicable fees can reduce the earnings on the account. Stated APY assumes that accountholder meets stated requirements to earn premium interest rates each analysis period: (i) online banking enrollment plus eStatements; (ii) make 12 signature-based debit card purchases; AND (iii) have a direct deposit of payroll or other payment. Accounts not meeting the stated requirements will receive an interest rate of 0.05% with an APY of 0.05%. Applicable premium interest rates and their corresponding balance tiers are as follows: If your average daily collected balance is below $15,000, an interest rate of 2.47% with an APY of 2.50% will be ap¬plied to the entire balance; For that portion of the average daily collected balance equal to or greater than $15,000 but less than $25,000, the interest rate is 2.47% and the APY will range from 2.50% to 2.50%, depending on the account balance; For the portion of the average daily collected balance equal to or greater than $25,000, the interest rate is 0.25% and the APY will range from 0.81% to 2.50%, depending on the balance in the account. The interest rate and APY for this tier are calculated assuming a maximum balance of $100,000. Minimum balance required to open account is $100. A minimum average daily ledger balance of $500 is required to avoid a $20 monthly service fee. The analysis period begins three business days prior to the beginning of the statement cycle and ends three business days prior to the end of your statement cycle.

Important information about procedures for opening a new account: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

**Up to $20 of the non-Cole Taylor ATM fee posting to your account each month is rebated to the account at the end of each statement cycle.

YOUR CHECKING ACCOUNT SHOULD BE SMART, LIKE YOU.

Open a Smart Earners Interest Checking account: With up to 2.50% APY*, the convenience of checking, and our personalized service, it's one smart deal.

Open My Smart Earners Account

ACCESSING YOUR MONEY SHOULD BE EASY.

Open Account

IT'S BUSINESS, BUTIT'S ALSO PERSONAL.

Open Account

A great interest rate is just the beginning.

Learn more about our online accounts.

Exceptional CD Rates

Another great opportunity.

Earn High Interest — Even as you Spend.

It's Easy to Qualify

Earn premium interest rates by: Signing up for online banking and continuing to receive eStatements Using your Cole Taylor debit card for at least 12 signature-based transactions posted each month Using direct deposit every month for your paycheck or other funds Requirements for this account

Exceptional Online Services From a Local Bank

Open a Smart Earners Interest Checking account: With up to 2.50% APY*,
the convenience of checking, and our personalized service, it's one smart deal.

ACCESSING YOUR MONEY
SHOULD BE EASY.

IT'S BUSINESS, BUT
IT'S ALSO PERSONAL.

Earn High Interest —
Even as you Spend.

Earn premium interest rates by:

Signing up for online banking and continuing to receive eStatements

Using your Cole Taylor debit card for at least 12 signature-based transactions posted each month

Using direct deposit every month for your paycheck or other funds

Requirements for this account