At Integrity Bank & Trust, we believe it is a good feeling to do business with people who know you and take the time to work together one-on-one. We learn your name, recognize your face and give you the personal service you deserve.

PERSONAL ACCOUNTS:

IBT Free Checking

With only a $50 minimum opening deposit requirement, IBT free customers have no minimum monthly balance requirement, unlimited check writing capabilities and no monthly service charges.

Silver Checking

Silver checking customers can have this account with a minimum opening balance of $100, interest is paid at a flat rate on balances of $300 or more and by maintaining a minimum balance of $300, the monthly service charge of $5.00 is waived. You can also enjoy unlimited check writing.

High Altitude Checking

Our High Altitude account has a minimum opening balance requirement of $500 and as long as you maintain $1,000, the monthly service charge of $10.00 is waived. You earn tiered rates based on higher balances in your account with unlimited check writing capabilities. Our online bill payment feature and our Integrity Bank & Trust “high altitude” style checks are free to these customers as well.

Platinum Checking (50+ customers)

This account is available to our valued customers who have reached age 50 or above. There is a minimum opening deposit requirement of $100 and no minimum monthly balance requirement; interest is paid at a flat rate on balances of $500 or more. You will enjoy unlimited check writing capabilities as well as a 10 basis point rate increase on any certificate of deposit.

All of the accounts above have access to an Integrity Bank & Trust Visa Check Card, free E-Com online banking, bill payment services, telephone banking and an IBT Overdraft Protection Line of credit. Free image statements are provided on all personal checking accounts. Some service charges may also be waived based on other deposit/trust relationship balances maintained at Integrity Bank & Trust. Please contact your Integrity Banker for more details on these and more products and services.

Health Savings Accounts

Integrity Bank & Trust offers health savings accounts at very competitive rates.  The account pays a tiered interest rate based on account balances with a low monthly service charge of $2.50 if the balance falls below $2,500.00.  All the necessary government reporting is done for you by Integrity Bank & Trust.
 

BUSINESS CHECKING PRODUCTS:

Free Business Checking

This account is for our business customers who write a low volume of checks (50 or fewer) per month. With a minimum opening deposit requirement of $100, there is no monthly service charge. 

Regular Business Checking

This account is for our business customers who write more than 50 but less than 75 checks on their account per month. There is minimum opening deposit requirement of $100 with a monthly service charge of $10.00, and you receive your first 75 debits free along with 75 deposited items free. After the first 75 of each, there is a $.15 charge for each.

Large Corporate Checking

This checking account is for our large corporate customers who write checks and deposit a large volume of items per month. There is a minimum opening balance requirement of $1,000 and a monthly service charge of $15.00. Each debit and each item deposited is $.10.

Both the Regular and Large Corporate business checking accounts earn a credit per month based on the monthly balance maintained. This credit is tied to the 90-day T-bill rate and can offset any service charges applied to the account. Free image statements are provided on all business accounts. These accounts also have access to a Visa Check Card, an IBT Overdraft Protection Line of Credit, merchant services and our E-Corp online banking. Please contact your Integrity Banker for more details on these and other products.

Specialty Account Checking

Please ask one of our personal community bankers about special checking products for sole proprietorships, not-for-profit entities and public funds.

Other deposit products for both personal and business customers include:

Money Market Account

This account pays very competitive tiered interest rates on balances of $1 or more. There is limited check writing capabilities on this account with no monthly service charge if the balance stays above $1,000 or $7 per month if the balance falls below $1,000. The money market style checks are free.

Regular Savings Account

Our savings accounts provide a competitive flat rate of interest on any balance maintained. There is a $100 minimum opening balance requirement with a $100 minimum monthly balance requirement to avoid the $5 per month service charge. Six free withdrawals are allowed per month with a $1 charge after the first six.

Minor Savings Accounts

Our minor savings accounts are for our customers under the age of 18. There is only a $25 minimum opening balance requirement with no minimum monthly balance requirement or no service charge. Six free withdrawals are allowed per month with a $1 charge after the first six. A competitive flat rate of interest is paid on any balance maintained. A parent or guardian must be a signer on the account and the account will automatically convert to a regular savings account upon reaching age 18.  PLEASE INQUIRE WITH ONE OF OUR PERSONAL COMMUNITY BANKERS ABOUT THE SPECIAL PRIVILEGES OF THE iHIKE KID'S SAVINGS ACCOUNT.

Certificates of Deposit

These deposit products are available at a range of maturities and competitive interest rates. Rate bonuses may be offered for various levels of deposit/trust relationships.  Refer to our Deposit Rates page for our current rates.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you: 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;  we may also ask to see your driver's license or other identifying documents.