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Establish a program at Hinsdale Bank & Trust Co. that allows your money to grow, while letting our services take care of your banking needs.  Whether you are looking to open a new checking account, save for your future, or add to your current portfolio,
Hinsdale Bank & Trust Co. has a program for you.

Traditional Checking

  • May be opened with an initial deposit of any amount
  • No limit to the number of checks that may be written per month and there are no charges per check written
  • Free imaged checks option with CheckManager Plus™
  • Other service charges may apply
  • Contact a Personal Banker for more details
  • No transaction limitations apply to this account

Student Checking Account

We have designed an account to handle the finances for young adults2 and provide peace of mind to parents. Here's a summary of its benefits:

  • FREE Checking Account in the students name with no minimum balance and no check writing limits¹
  • Free imaged checks option with CheckManager Plus®
  • An ATM Card
  • A special Automatic Transfer feature so parents won't have to write allowance checks


¹Other qualifications and service charges may apply. See bank for details.

2Available to young adults ages 16-25. Young Adults under the age of 18 require an adult joint owner.

Transaction limitations; You may not make any transfers from this account to another account of yours or to  third parties by preauthorized, automatic, or telephone transfer or similar order to third parties

PlatinumPreferred® Account

Hinsdale Bank & Trust Co. has developed an attractive combination of products and services to meet the banking needs of customers who have reached the age of fifty or older.

It's called the PlatinumPreferred Account®, and it's the best account of its kind in the area.

Benefits include:

  • An interest bearing NOW Checking Account.
  • With no monthly service charge and no minimum balance¹.
  • FREE supply of checks².
  • FREE Online Banking and FREE Bill Pay.
  • FREE Imaged checks option with CheckManager Plus.
  • Bonus interest rates on all fixed rate CDs. Please see our Deposit Rate sheet.
  • FREE 3" X 5" X 21" safe deposit box for one year (or equivalent savings off a larger box)³ and a 50% discount after that.
  • FREE ATM Card with a personalized identification number of your choice
  • FREE MasterCard credit or debit card-no annual fee4
  • FREE Cashier's Checks-no service charge on the purchase of Cashier's Checks.
  • FREE Travelers Checks-no service charge on the purchase of American Express Travelers Checks.
  • FREE Notary and FREE Signature Guarantees.
  • FREE Money Orders.
  • FREE Direct Deposit or payroll, benefit, and dividend checks.

1Fees, such as overdraft charges, and fees for special services may apply.2 Limitations apply on type of check and quantity ordered. 3Limited number of boxes available. Available by visiting bank in person. 4Annual fee waived, first year and each year thereafter if you make at least one purchase per year.

Platinum Preferred Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.

Community Account

Whether you've just moved to the area or are a longtime resident, the community account™  offers a whole bundle of benefits that have no fee or are free. You can utilize some or all of the following benefits:

  • An interest bearing NOW Checking Account2
  • With no monthly service charge and no minimum monthly balance¹
  • FREE checks-no charge for first order of safety paper checks and we'll buy back up to 200 of your old checks
  • FREE On-line Banking and FREE Bill Pay.
  • Free imaged checks option with CheckManager Plus™
  • Overdraft protection available (Prime rate)²
  • A low rate Home Equity Line of Credit²
  • $50 one time credit on a safe deposit box²
  • FREE, no fee MasterCard Card² and no extra fee ATM Card
  • No fees when you purchase Cashier's Checks and American Express Travelers Checks
  • Special discounts at participating merchants

¹Fees, such as overdraft charges, and fees for special services may apply. ²Please call the bank for disclosure on this product.

Community Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.

Statement Savings Account

  • Minimum Daily Balance requirement of only $100 to avoid a $1.00 service fee per statement cycle1
  • Interest is compounded quarterly and paid quarterly
  • Statements conveniently combined with your monthly checking statement OR sent quarterly
  • Transfer fund as needed to your checking account with Telebank or FREE online banking

1$1.00 maintenance fee will be imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 

We use the daily balance method to calculate interest on your account. Interest will be compounded Quarterly and paid to your account Quarterly.

Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties. An excessive transaction fee of $10.00 will be charged for each transaction in excess of the mentioned limitations.
 

Passbook Savings Account

  • You receive a personalized passbook where all of your transactions are recorded at the time of deposit or withdrawal
  • Interest is compounded and paid quarterly
  • Minimum Daily Balance requirement of only $100 to avoid a $1.00 service fee per statement cycle

Junior Savers Club Account™

The Junior Savers Account is a Passbook Savings Account designed to teach children and young adults ages 18 years and younger the rewards of saving. The benefits of a Junior Savers Club Account are:

  • No service fees
  • Junior Savers are eligible for a number of other fun benefits


Learn more about our Junior Savers Account

Junior Savers Club Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded quarterly and credited to your account quarterly.

Transaction limitations; You may not make any transfers from this account to another account of yours or to  third parties by preauthorized, automatic, or telephone transfer or similar order to third parties

Heritage Money Market Account

Our Heritage Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

  • Minimum Daily Balance of only $5,000.00 to avoid a $15.00 monthly service fee
  • Unlimited deposits and up to six preauthorized debits at no charge
  • Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
  • FREE Online Banking and Telebank

An interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded and credited to your account monthly.

Transfers from a Heritage Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month. Unlimited in-person withdrawals are allowed on this account. An excessive transaction fee of $10.00 will be charged for each transaction in excess of the previously mentioned limitations.

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 3 Months
  • 4-6 Months
  • 7-12 Months
  • 13-18 Months
  • 19-24 Months
  • 25-30 Months
  • 31-36 Months
  • 37-48 Months
  • 49-60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.

An interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded and credited to your account monthly.

Transaction limitations; You may not make any transfers from this account to another account of yours or to  third parties by preauthorized, automatic, or telephone transfer or similar order to third parties

Interest rates vary depending on the term of the CD. Interest is calcualted using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.


It's Easy To Open These Account

Fill out and submit this application form or come see one of our friendly personal bankers. Also check out our overdraft protection option. Please contact us if you have any questions.