Checking Accounts

A checking account is more than just a place to hold your money—it’s your financial home base.
It’s where paychecks land, bills get paid, and life’s everyday moments are managed with ease and confidence.

Classic Checking

No Interest

$0 Minimum Balance

$0 Monthly Service Fee

$2 Paper Statement (optional)
(waived for Seniors 55 and better)

$50 Minimum Opening Deposit

Unlimited Pre-Authorized Withdrawals/Transfers

Mastercard Debit Card and/or ATM Card

Open Now

Interest Checking

Balance of $1,000+ Interest (tiered)

$1,000 Average Daily Balance

$5 If Average Daily Balance Falls Below $1,000

Free Paper Statement (optional)

$50 Minimum Opening Deposit

Unlimited Pre-Authorized Withdrawals/Transfers

Mastercard Debit Card and/or ATM Card

Open Now

Smart Start

No Interest

$0 Minimum Balance

$0 Monthly Service Fee

$2 Paper Statement (optional)
(waived for Seniors 55 and better)

$25 Minimum Opening Deposit

Unlimited Pre-Authorized Withdrawals/Transfers

Mastercard Debit Card and/or ATM Card

Open Online (ages 14-17) Learn More

Mastercard® Debit Card

Pay with the swipe of your card and your funds are deducted directly from your checking account. You can also access your checking account funds no matter where you are using an ATM.

Learn more

Bank Whenever You Want with Digital Banking

Enroll today and download our mobile app to monitor your accounts, pay bills, move money and more, whenever you want from virtually anywhere.

Learn more

Your Security... Our Top Priority

Your personal and financial information is protected with industry-leading security measures. You can trust that your information is secure every step of the way. 

Learn more

Looking for More Information?

Call us day or night

Do a Live Chat

Send a Secure Message

Routing Number
071123204
Call Us
(888) 418-5585
Find a Branch or ATM


  • Morton Community Bank is an Illinois Chartered Bank which includes Clock Tower Community Bank and all your Hometown Community Banks. 
Morton Community Bank
Morton, IL
NMLS #422122
Member FDIC
2025 - All Rights Reserved