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Help / FAQ > Banking

Q: Are my deposit accounts FDIC insured?
A: Yes! Each individual customer’s account is insured by the FDIC up to $250,000 per account. You may qualify for more than $250,000 in coverage if you own deposit accounts in different ownership categories.

Q: How do I set up Direct Deposit of my payroll check?
A: After you have established a deposit account, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q: How do I set up Direct Deposit of my Social Security check?
A: After you have established a deposit account, you will receive our routing and transit number and your account number. Simply call us at 217-892-2143 and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Q: Can I get information about my account by phone?
A: Yes! Account information is available with our automated Voice Response System 24 hours a day by calling 800-477-6912 or you can contact one of our Customer Service Representatives during business hours at any of our offices.

Q: Is interest paid on my checking account?
A: Yes! See our Products & Services page for complete details.

Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of Direct Deposit, Mobile Banking and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Q: Can I look at all of my transactions at any time?
A: Yes! With Online Banking and Mobile Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How frequently is my information updated?
A: Your account information is updated every business day with new transactions that posted to your account the previous day.

Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

Q: How do I make a deposit to my account from a remote location?
A: You can use our Mobile Banking Apps to deposit checks. You can also utilize direct deposit, ATMs or ACH (Automated Clearing House) to electronically transmit items. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that’s best for you.

Q: When do I have access to use Internet Banking and Mobile Banking?
A: With Online Banking and Mobile Banking, you have access to your account information 24 hours a day, 7 days a week!

Help / FAQ > Internet Banking

Q: What is Internet Banking?
A: Internet Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

Q: What can I do with Internet Banking?
A: You can view account balances and transaction history, transfer money between your accounts, pay bills, transfer money to a third party, download transactions to a personal financial manager and much more.

Q: How current is my banking information?
A: Your account information is updated every business day with new transactions that were posted to your account the previous business day

Q: What accounts will I be able to access through Internet Banking?
A: You can access all of your personal deposit and loan accounts from the Internet banking service. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible.

Q: How much account information can I view at once?
A: The system will automatically show the current month’s transactions and information. However, by selecting User Preferences, you can choose to view the current month or previous months.

Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?
A: Internet Banking supports downloads to Quicken™ QuickBooks™ as well as a comma-delimited text file.

Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption. Internet Explorer 7 and above, Firefox 7 and above, Safari 5 for Windows and Mac, and Google Chrome 16 and above are preferred browsers that work well.

Q: How do I access Internet Banking?
A: You must first complete the Internet Banking registration process. Once your registration is complete your will be ready to use the Internet Banking service. If you have difficulty registering please contact Customer Service at 217-892-2143. You must have an existing checking, savings or loan account to register.

Q: Can I create my own password that is easy for me to remember?
A: Yes, you will choose your password during the registration process.

Q: What happens if I forget or lose my password?
A: Just call us at 1-217-892-2143 between 8:00 AM -4:00 PM Monday through Friday and we will take you through the steps needed to get back into the system immediately!

Help / FAQ > Bill Pay

Q: What is online bill pay?
A: Online bill pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. It’s safe, secure and easy to use.

Q: Who can I pay with online bill pay?
A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter, or relative.

Q: How do I enroll in online bill pay?
A: You can enroll for online bill pay in three easy steps:

  1. Access and login to your account at
  2. Use the “Bill Pay” link to access the enrollment form.
  3. Complete the enrollment form and click submit.

Q: How do I start using online bill pay?
A: First, you need to enroll to activate your online bill pay account. If you haven’t enrolled, please follow the three steps shown above. If you have enrolled, you can make a payment in four easy steps.

  1. Grab a bill and login to your account at
  2. Click on the “Bill Pay’ link.
  3. Click the “Add a Payee” button on your dashboard.
  4. Enter the amount you want paid and make your payment.

Q: How are online payments delivered?
A: Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Q: Is online bill pay secure?
A: Paying bills online is one of the safest ways to pay your bills. Online bill pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real time access to your payments activity. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

Q: How do I place a ‘stop payment’ on a bill payment?
A: A payment may be edited or deleted any time before the “process date.” Payments that have been remitted electronically cannot be stopped.

Help / FAQ > Security Tips

The Internet banking service has several effective security techniques that we encourage you to implement when you use the Internet banking service:

  1. Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
  2. Change your password on a regular basis.
  3. Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
  4. Change your session timeout in User Options to a time that meets your needs.
  5. Balance your account on a regular basis. Internet Banking makes it easy!

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