Personal > Checking Accounts > ISB Prime Checking Account

Interested in an ISB Prime Checking Account?

You need a checking account that matches your busy lifestyle. The ISB Prime Checking account is just that! This account puts your money to work for you. You can earn premium interest rates and you have the freedom to use any automatic teller machine (ATM) without fear of expensive charges. No matter when you travel, any ATM is your ATM!


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Banking on the go with a prime checking account


  • Premium interest rates
    • 1.55% APY* if average daily balance is less than $15,000.01
    • 0.15% APY* if average daily balance is more than $15,000.00
    • Non-qualifying accounts 0.05%
  • Any ATM is your ATM — ISB will reimburse any and all ATM charges
  • Unlimited check-writing capability
  • Bank on-the-go with mobile banking, online banking and eStatements, all at no charge

How to Get Started

Setting up your ISB Prime Checking Account is easy. All you need is:

  • A valid driver’s license
  • Your Social Security Number (SSN)
  • $100 deposit

Account Requirements and Charges

  • To qualify for prime interest and ATM features, all the following must be completed during each statement cycle:
    • Twelve (12) point of sale debit card transactions, AND
    • Log into Internet Banking at least one time, AND
    • Sign up and elect to receive eStatements
      (If any of the above actions are not met, interest rate is 0.05% APY*)
  • Minimum balance of $100 required to open any ISB deposit account.
  • Must maintain a minimum average daily balance of $1.00 or greater to obtain APY*
  • No charge for eStatements. A paper statement charge may apply.
  • $5 monthly service charge. This charge is waived if:
    • Average daily balance of $3,000 or greater
      — OR —
    • Total relationship balance (loans and deposits) is $20,000 or greater


Fees may reduce earnings. Service charges are subject to both state and local sales tax. This information is not a Truth in Savings disclosure. Ask a bank representative for Truth in Savings disclosures, account details, restrictions, processing limitations and enrollment instructions. *APY = Annual Percentage Yield; APY accurate as of 11/17/2021 and is subject to change