Eureka Savings Bank has a pretty good variety of account options. To find out if Eureka Savings Bank is right for you, continue reading the review below.
This bank has pretty standard checking and savings, but a lot of their accounts have low opening deposits and monthly fees.
Eureka encourages kids to start saving money early since their Money Miners Kids Club savings account offers exclusive benefits for those who are 12 years old and under. They can even earn interest on it!
Also, their NOW checking account has an easily waiveable monthly fee for students and seniors so it’s basically an account available to anyone.
Checking Account Options
Eureka Savings Bank offers a decent selection of checking accounts. They even have one checking account that is available for all ages so anyone can start tracking their spending regardless of age.
Their checking accounts come with the standard features that most accounts have.
This basic checking account will need a $100 to open.
There are no monthly fees nor minimum balance requirements.
This is an interest bearing checking account and you will need at least $100 to open it.
If you can keep a daily balance of $500, then you can waive the small monthly fee of $5.
You can also waive the fee by signing up for direct deposits, be a full time student, be over the age of 65 or be a military personnel.
This is a high interest bearing checking account and will require $2,500 to open.
Keeping a daily balance of $2,500 can also waive the monthly $5 fee.
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Savings Account Options
Eureka Savings Bank has a fair selection of savings accounts that all earn interest, but they are pretty standard.
Their savings accounts come with the standard features that most accounts have.
You can open this basic savings account with $50 and it will start earning interest.
There are also no monthly fees nor minimum balance requirements.
This kids savings account is available to kids 12 and under, but they will have to open it in-branch with their parent(s).
With just an opening deposit of $5, Kids will get to enjoy:
- A prize for deposits
- No monthly fees
- Daily compounded interest
- Special events throughout the year
A holiday savings account to set aside for vacation purposes and special occasions.
All you need is $1 to open this account and there are also no monthly fees to worry about!
The interest is compounded daily as well.
You can’t withdraw money out until after September 30th though.
This account is only eligible to those who have a High Deductible Health Plan, but it can be opened with $1 and interest is compounded daily.
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Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
Eureka Savings Bank has one money market accounts that earns competitive interest rates.
Money Market:
- Open this account with $2,500
- To waive the $25 monthly fee, you will have to maintain a daily balance of $10,000
- Interest is compounded monthly
- Online and Mobile Banking
Compare Money Market Accounts
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CD Account Options
Eureka Savings Bank offers standard CDs that earn competitive interest rates.
Their CD terms range from 91 days – 60 months.
You might have to contact the bank itself to find out information on their current rates.
Compare CD Accounts
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Reasons to Bank with Eureka Savings Bank
- Good ratio of checking to savings accounts.
- Low opening deposits throughout all their accounts.
- Their NOW Checking account is available to all ages and certain ages can have the monthly fee waived.
- All their savings accounts are high-yield interest bearing.
- Conduct all your banking online or with the Eureka Savings Bank mobile app.
Reasons Not to Bank with Eureka Savings Bank
- They are only located in Illinois with a total of 4 physical branches scattered about.
- They actually have pretty high minimum balance requirements for their premium accounts.
- Absence of a student savings account since they offer a checking one.
- Doesn’t provide a senior checking or savings account.
- Lack of a holiday savings account.
- They don’t have one main contact number.
- You might to sign up for an account on their website to find out additional information.
Eureka Savings Bank Routing Number
Eureka Savings Bank routing number is 062203719.
Contact Customer Service
Eureka Savings Bank’s customer service lines vary depending on locations so check their website.
You can also fill out one of their request forms to inquire more information and they will be in touch with you shortly.
How Eureka Savings Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits, including accounts for teens and customers who need a second chance.
Bottom Line
If you live in Illinois and tend to keep a higher than average balance, then Eureka Savings Bank might work in your favor.
By having a checking account available for all ages, Eureka offers more flexibility for an easy to open account.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If Eureka Savings Bank has the variety and options you’re looking for, apply today! For more options from a variety of banks, see our list of the best bank promotions!
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