RateHerald

APY

0.01%

As of Nov 8, 2026. Rates are variable.

Busey Bank · Checking account

Busey Pillar Banking

−$180 a year for an everyday customer. $15 a month. $100 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
−$180
APY
Monthly fee
To open

Offer

Bonus

$500

$10,000 in direct deposits within 90 days. About $3,333 a month for 3 months.

Busey Pillar Banking · Busey · for new customers

Ends Accounts opened by December 31, 2026Meet it within 90 daysNew customers only

“Open Foundation Checking with promotional code BETTERBUS1 or Pillar Banking with promotional code BETTERBUS2, then within the first 90 days of account opening enroll in online banking, consent to eStatements, and send qualifying direct deposits to the new account to earn a cash reward of $300, $400,”The bank’s page, checked Nov 8, 2026

Can you meet it? The bank bonus finderAll bank bonuses

Against the market

How it ranks

#918of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Bill pay
  • Debit card
  • Free checks
  • Interest bearing
  • Mobile check deposit
  • Online opening

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates by balance

$3,000 to $19,999.99
0.01%
$20,000 and up
0.01%

The bank’s rates · as of Nov 8, 2026

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$3,000busey.com, checked Nov 8, 2026
To earn the APY
earned daily when minimum balance of $3,000 to earn interest is maintainedbusey.com, checked Nov 8, 2026
Interest compounds
Interest is compounded and credited on the last day of the statement cycle.busey.com, checked Nov 8, 2026

Fees

Monthly fee
$15 a monthbusey.com, checked Nov 8, 2026
Ways to avoid the monthly fee
Any one of these:
  • Have a balance of $15,000.00 or more in your Pillar Banking account on the day it cycles
  • Have a combined total of $15,000.00 or more in eligible accounts on the day it cycles
busey.com, checked Nov 8, 2026
Minimum to open
$100busey.com, checked Nov 8, 2026
ATM network
Surcharge-free access to approximately 40,000 ATMsbusey.com, checked Nov 8, 2026
ATMs in the network
40,000busey.com, checked Nov 8, 2026
Paper statements
Nonebusey.com, checked Nov 8, 2026
Cashier’s check
Nonebusey.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on busey.com

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