This account offers simplicity and ease of use, but also gives you the benefit of being able to grow your money by earning interest. Use your money as you need it, but still earn based on how you save. It’s the best of both worlds.

  • $50 opening balance
  • Earns interest
  • Free debit card and online banking
  • Unlimited proprietary ATM transactions. Four free foreign ATM transactions per month.
  • Direct deposit available
  • Unlimited check writing


  • $7 monthly service charge if the average daily balance drops below $500


All new account applications are subject to approval; a review of your credit history may be used.

What you need to apply:

  • Social Security number
  • Date of Birth
  • Current street address
  • Unexpired government-issued photo ID


We can help you easily transition from your previous financial institution to your new account at Edgar County and Prospect Bank.  All you will need to do is provide information about your previous bank account, any automatic debits and direct deposits.  We have forms and checklists to help you with this process!