Personal Banking

You Deserve The Best

Generations Bank is committed that you feel heard, valued, and empowered. Choose the account that best suits your needs and we’ll set it up for you.

Choose The Right Account For You

Green Checking

No minimum balance required
Free first order of checks
Unlimited check writing
Free e-statements & alerts
Free Debit Card
Free Online Banking & Mobile Banking
Free ATM transactions*
Free 24/7 Bill Pay

*Generations Bank ATM machine or an ATM in the Money Pass network.

Regular Checking

Free checking if you maintain an average current balance of $500.00 or more. If your balance falls below this level, a $4.00 charge per statement cycle will be imposed.
$0.15 fee for each debit item in excess of 15 during each statement cycle (items exclude ATM and debit card transactions).
Free Online Banking & Bill Pay
Free notary service

NOW Account

Interest paid on account
$1,000.00 deposit required to open account
No service charge if you maintain an average current balance of $1,000.00 or more. If your balance falls below this level, a $8.00 charge per statement cycle will be imposed
$0.15 fee for each debit item in excess of 15 during each statement cycle unless your balance is at least $2,500.00(items exclude ATM and debit card transactions).
Free Online Banking & Bill Pay
Free notary service

Super Now Account

Interest paid on account on a tiered basis
$2,500 deposit required to open account
No service charge if you maintain an average current balance of $2,500.00 or more. If your balance falls below this level a $8.00 charge per statement cycle will be imposed
A per debit fee of $.15 will be charged for each debit transaction in excess of 15 during a statement cycle. This fee will not apply if the average current balance is at least $2,500.00. ATM withdrawals and electronic debits are not included in the per debit fee.
Free online banking & bill pay
Free notary service

First Rate Premium Money Market Account

Tiered interest is paid on the account and is based on an average daily balance.
$2,500 deposit required to open account
A charge of $10.00 will be imposed each monthly statement cycle if the average balance for the monthly statement cycle falls below $2,500.00
Federal Regulations limit transactions to 6 "convenient" transactions per month includes: checks, automatic or preauthorized transfers, sweeps, telephone or internet banking
A fee of $10.00 will be charged for each item over the transaction limit
Free notary service

Student Checking

Sixties Club Checking

Free personalized checks
No charge for checks written
Free copies of medical claim use
On regular checking accounts there will be no monthly service charges on accounts and no per debit transaction fees.
On NOW checking accounts there will be no per debit transaction fees, but the $8.00 charge will still apply if the average current balance for the monthly statement cycle falls below $1,000.00.
On Super NOW checking accounts there will be no per debit transaction fees, but the $8.00 charge will still apply if the average current balance for the monthly statement cycle falls below $2,500.00.
On Money Market checking accounts, there will be no change. All rules still apply.

Retirement Accounts

No matter how near or far off your retirement is, the tax advantages of a retirement account can be too great to pass up. Generations Bank offers a suite of retirement accounts to meet your need to maximize your savings and provides the opportunity to invest more for your retirement.

There are four different actions you can take with assets invested via a previous employer’s retirement plan. These include:

Contact Generations Bank at 402-266-5931 and we can help guide you through this process.

Individual Retirement Account (IRA)

If you’ve earned income and are younger than age 70½, a Traditional IRA may be right for you.

Roth IRA

If you’ve earned income below a certain threshold set by the IRS, a Roth IRA may be right for you.

SIMPLE IRA (Savings Incentive Match Plan for Employees)

SIMPLE plans can provide a significant source of income at retirement by allowing employers and employees to set aside money in retirement accounts. SIMPLE IRA plans do not have the start-up and operating costs of a conventional retirement plan. These plans are typically available to small businesses with less than 100 or fewer employees.

SEP Retirement Plans (Simplified Employee Pension)

SEP plans can provide a significant source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees. A SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25 percent of each employee’s pay. SEP Plans are available to any size business and are helpful for self-employed.

Other Retirement Accounts

Not finding what you are looking for? Maybe a 401(k) plan or a more market-driven retirement plan. Generations Bank partners with First Heartland Financial Group.

Health Savings Account

A Generations Bank Health Savings Account (HSA) will help you save for qualified medical expenses on a tax free basis.

HSA’s work like an Individual Retirement Account for healthcare. Contributions and interest are tax free. An HSA works like a checking account that earns interest and can only be used for health care expenses.

Savings Account

Interest paid on account
$20.00 deposit required to open account
A debit fee of $.50 will be charged for each debit in excess of 15 per statement cycle
Federal Regulations limit transactions to 6 "convenient" transactions per month. These transactions include: checks, automatic or preauthorized transfers, sweeps, telephone or internet banking.

Mobile Banking

Consumer Loans

Generations Bank offers auto loans, home equity loans, and personal loans, all with very competitive rates and repayment terms. Generations Bank’s experienced loan staff would be glad to visit with you about your consumer needs. We take pride in providing a quick response on all loan requests.

Not ready to apply for a loan? Download form to learn about the home buying process Download form

Real Estate Loans

Generations Bank offers a full range of real estate loans including home purchase, home refinance, home construction, lot purchases, land development and home equity loans. We have several lending options for your consideration.

Generations Bank offers a full range of real estate loans, including home purchase, home refinance, home construction, lot purchases, land development, and home equity loans. Generations Bank offers fixed rate, long-term home loans. Current rates are at their lowest in 40 years so now is a good time to take advantage of these super low rates. We also have access to first-time home buyer down payment assistance to those who qualify. We have several lending options for your consideration.

Secondary Market Housing

Generations Bank offers fixed rate long-term home loans. Current rates are at their lowest in 40 years so now is a good time to take advantage of these super low rates. We also have access to first time home-buyer down payment assistance to those who qualify.

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Home Loans

Generations Bank offers a full range of real estate loans including home purchase, home refinance, home construction, lot purchases, land development and home equity loans. Generations Bank offers fixed rate long-term home loans. We also have access to first-time homebuyer down payment assistance to those who qualify.

Have questions about a home loan?

Download our home loan application guide to learn more about the home buying process.

Real Estate Loans

ATM Banking

Generations Bank is proud to be part of the MoneyPass Network. Use the link below to find a MoneyPass ATM so you can avoid the surcharge fee.

Generations Bank Credit Card

Our Visa® Platinum credit card has everything you need, and best of all, it’s offered by us! We focus on the needs of our customers and our community. That’s why we provide you with the quality service you deserve and expect. So carry a little bit of home with you, wherever you go.

Click here to apply!

Manage your credit card anytime, anywhere by visiting www.MyCardStatement.com. You can check your balance, pay your bill, dispute a transaction, and more.

Reward yourself! Our Visa® Platinum credit card works hard for you, and earns 1 point per net $1 spent to be used towards rewards. Visit www.cRewardsCard.com to browse reward options, or redeem your rewards.

Questions? You can call us during regular banking hours, or you can call the 24-Hour Visa® Customer Service line at 1-800-883-0131.

Payments can be mailed to: VISA®, PO Box 4512 Carol Stream, IL 60197-4512.

Online Banking