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Checking

Get far more from your account.

Our checking accounts come equipped with many great features and benefits, including all the technology you want!

Value Checking

 

The account with cash back rewards, credit monitoring and much more – including other protections like cell phone insurance and identity theft services.  

  • Cash back member rewards1–Earn 10% cash back on everyday purchases. Save receipts and submit quarterly for rewards up to $10/quarter, up to $40/annually.
  • FREE IDProtect® service:2
      • Identity theft expense reimbursement coverage3 – Up to $10,000 to help pay expenses, clear your name and repair damaged credit.
      • Identity theft resolution services – Your very own IDProtect® fraud resolution specialist to help you restore your credit and identity.
      • Debit and credit card registration – One toll-free number to cancel and request replacement cards.1
      • 3-in-1 Credit file monitoring – Daily monitoring of your Equifax, Experian and TransUnion credit files, and automatic alerts if key changes occur.1
      • 3-in-1 Credit report – Request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score.1
      • Total identity monitoring – Monitoring of over 1,000 databases
  • Overdraft forgiveness – You'll receive a one-time overdraft fee elimination coupon.4
  • ATM fee reimbursement5– Use any ATM, anywhere. Bring us the receipt and we'll pay you back for non-network ATM fees.
  • 24-Hour accidental death & dismemberment insurance3 up to $10,000
  • Cellular telephone protection3– Up to $300 of replacement or repair costs if your cell phone is stolen or damaged.
  • Eyecare & eyewear plan– Big savings on glasses, contact lenses, eye exams and LASIK through a network of over 12,000 eye care professionals nationwide.1 (This is NOT insurance.)
  • Plus – to earn higher rates on your savings, ask about pairing a More Savings Account with automatic transfers from your Value Checking Account. Additional terms and conditions apply; ask your banker for details.
  • FREE electronic banking – Includes online banking, mobile banking, free mobile deposit, online bill payments, Apple Pay, Android Pay, Samsung Pay, eStatements7 and 24-hour telephone banking
  • FREE security-enhanced debit card
  • FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs
  • Bounced check protection available ($500 limit; must qualify)
  • Open your account with $25 or more
  • Disappearing fee – Reduce your monthly service charge by 25¢ with each debit card purchase, up to the full fee of $4.95 per statement cycle.6 (If you keep a balance of $25,000 or more, the $4.95 monthly fee is waived.)
  • $3.00 monthly paper statement fee is eliminated when you opt in for electronic statements.7

Call or come in to open account

 
 

Rewards Checking 

The account that earns interest on checking dollars. 

  • Earn our highest checking interest8 when you:
    • Make 16 or more Debit Card purchases that post and clear6
    • Post one or more ACH auto debit or direct deposit
    • Receive your statements electronically with eStatements7
  • FREE nationwide ATM refunds – Use any ATM, anywhere and we'll automatically reimburse you for non-network ATM fees – no paperwork necessary! (ATM refunds are limited to $20 per statement cycle.)
  • FREE electronic banking – Includes online banking, mobile banking, free mobile deposit, online bill payments, Apple Pay, Android Pay, Samsung Pay, eStatements7 and 24-hour telephone banking
  • FREE security-enhanced debit card
  • FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs
  • Bounced check protection available ($500 limit; must qualify)
  • Open your account with $25 or more
  • Disappearing fee – Reduce the $3.95 monthly service charge by 25¢ with each debit card purchase up to the full $3.95 per statement cycle.6
  • $3.00 monthly paper statement fee is eliminated when you opt in for electronic statements.7

 

Elite Checking

The account for those who are 50 years and better who want free paper statements. 

  • FREE paper statements
  • FREE electronic banking – Includes online banking, mobile banking, free mobile deposit, online bill payments, Apple Pay, Android Pay, Samsung Pay, eStatements7 and 24-hour telephone banking
  • FREE security-enhanced debit card
  • FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs
  • Open your account with $25 or more
  • Bounced check protection available ($500 limit; must qualify)
  • Maintain $5,000 minimum daily balance to avoid $3.95 fee per statement cycle
 

 

Free Checking

The free account. No monthly fees and no minimum balances. 

  • FREE electronic banking – Includes online banking, mobile banking, free mobile deposit, online bill payments, Apple Pay, Android Pay, Samsung Pay, eStatements7 and 24-hour telephone banking
  • FREE security-enhanced debit card
  • FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs
  • Bounced check protection available ($500 limit; must qualify)
  • Open your account with just $25 or more
  • No monthly account service charge
  • $3.00 monthly paper statement fee is eliminated when you opt in for electronic statements.7 
 
 

Opportunity for all

Even if you've been turned down for a checking account in the past, our Opportunity accounts may offer you a fresh start. Learn more

 

 

1 Registration and activation are required. Additional terms and conditions may apply.

 

2 IDProtect® service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). 

 

3 Coverage divides equally on joint accounts and reduces by 50% at age 70.

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

 

Must present coupon to receive fee elimination. 

 

ATM fee reimbursement limited to $20 per qualification (statement) cycle. Present ATM receipts for reimbursement within 60 days of fee charge. 

 

6 ATM transactions do not count as MasterCard Debit Card transactions.

 

7 In order to avoid a $3.00 paper statement fee, you must enroll in online banking, opt in for eStatements and maintain an active online banking enrollment. An active online banking enrollment is maintained by logging into your online or mobile banking account at least once every 120 days. If requirements are not met, you will automatically receive paper statements and your account will be charged $3.00 per month.

 

8 Lower APY applies to balances over $10,000 and when qualifications are not met. See Bank for details.