Checking Accounts

Personal Checking Accounts

Interest Checking

Earn interest on balances depending on qualifications met and options chosen in this personal, tiered-rate interest checking account.

MORE ABOUT INTEREST CHECKING

Cash Rewards Checking

The more you spend, the more you earn. With this account you can earn cash based on how much you spend on your Blackhawk Bank & Trust credit or debit cards. 

MORE ABOUT CASH REWARDS CHECKING

Essential Checking

Created for your basic checking needs. Simple, straightforward, and easy to use.

MORE ABOUT ESSENTIAL CHECKING

Relationship Checking

An interest-bearing account for customers with additional deposit and/or loan relationships - plus customers earn interest even when qualifications are not met.

MORE ABOUT RELATIONSHIP CHECKING

Relationship Money Market

Earn interest on balances depending on qualifications met and options chosen in this personal, tiered-rate interest checking account.

MORE ABOUT RELATIONSHIP MONEY MARKET ACCOUNTS

find the best account for you

Take our checking account quiz to find which account would work best for you.

Checking Account Quiz

 

HSA CHECKING ACCOUNT


A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. 

This account offers a debit card and checks, and earns interest. See our complete terms and conditions for more information. 

View TISA DisclosureHSA RATES

MONEY MARKET DEPOSIT ACCOUNT (MMDA)

Our Money Market deposit accounts offer tiered interest rates, earning you more on higher balances. This account offers a debit card and checks. Federal law limits the number of withdrawals and transfers you can make from your MMDA account during each statement cycle. See our complete terms and conditions for detailed information.

View TISA DisclosureMMDA RATES

OVERDRAFT SOLUTIONS

AUTOMATIC TRANSFER AUTHORIZATION (ATA)

  • An ATA can be set up between a checking or savings account.
  • There is a $5.00 fee applied each business day in which account transfers occur.
  • Funds will be transferred from the eligible account to the checking account in increments of $100.00. Please note: Partial transfers will occur if funds are not sufficient to meet the transfer increment, even if they will not fully cover the overdrawn item(s). The transfer fee stated in this section will be charged for partial transfers under this agreement.

OVERDRAFT PROTECTION ACCOUNT

  • The Line of Credit (LOC) is tied to any checking account except HSA Checking Accounts.
  • There is a $10.00 Semi-Annual Fee for this LOC, with a $5.00 transfer fee to access the attached Line of Credit.
  • Funds will be transferred from the LOC to the checking account in increments of $100.00. Please note: Partial transfers will occur if funds are not sufficient to meet the transfer increment, even if they will not fully cover the overdrawn item(s). The transfer fee stated in this section will be charged for partial transfers under this agreement.
  • The minimum monthly automatic payment is $50.00 to repay the Line of Credit.
  • The default Line of Credit limit is $500.00.

CLICK HERE FOR ADDITIONAL INFORMATIONCLICK HERE TO APPLY

LEGACY ACCOUNTS

On March 31, 2019, Blackhawk Bank & Trust introduced four new checking account products and a new Money Market deposit account.

Existing customers with accounts opened prior to March 31, 2019 continue to be welcome to have active legacy accounts. To view our listing of legacy accounts and the terms and conditions associated with those accounts, please see our legacy checking account details page.

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