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Personal Feel the joy of financial freedom.

Personal banking has never felt better.

Professional products with a personal touch.

No matter the stage, life is busy, hectic and complicated. Managing your money can be simple with Ergo Bank. From day-to-day checking and savings transactions to making future retirement plans, Ergo Bank will change the way you feel about your personal banking experience.

By putting customers first and leading the way with forward-thinking technology like our Interactive Teller Machines, Ergo Bank has the products, services and personal touch it takes to accommodate the needs of today’s busy banking customers.

Learn about Ergo ITMs.

Switch to Ergo Bank today.

Free Kasasa Cash® Checking

  • Free checking that pays really high interest
    • 3.00% APY* on balances up to $25,000
    • 3.00% to 0.84% APY on balances over $25,000 depending on balance in account*
    • 0.05% APY* if qualifications aren't met
  • Can link to Kasasa Saver® for effortless saving
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • $100 minimum opening deposit

Learn more about Kasasa Cash here.

Free Kasasa Cash Back® Checking

  • Free checking that pays you back
  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $108 cash back per year, $9 per month
  • Can link to Kasasa Saver® for effortless saving
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • $100 minimum opening deposit

Learn more about Kasasa Cash Back here.

Go Checking

  • $50 minimum opening balance required
  • Convenient access to Ergo ITMs & ATM network
  • Unlimited check writing & no per check charges
  • Free online banking & bill pay 3 4
  • Debit card service available 1 4
  • Convenient combined statements
  • Check safekeeping
  • Interest paid on daily current balance of $1,000.01 and above
  • Overdraft Transfer Service from your Go Savings or Go Money Market (available for a small fee)

Go Savings

  • $100 minimum opening balance required
  • Make deposits at any time, for any amount
  • Convenient access to Ergo ITMs
  • Unlimited over-the-counter withdrawals

Go Money Market

  • $1,000 minimum opening balance required
  • Go Checking account included for convenient transfers
  • Convenient access to Ergo ITMs
  • Convenient, combined statements
  • Interest paid on tiered balances

Certificates of Deposit (CDs)

View our rates page for current interest rates, terms, and additional information.

Individual Retirement Accounts

Traditional IRAs

  • Available to anyone under age 72 who has annual compensation or who files jointly with a spouse with earned income
  • Additional catch-up contributions available for ages 50+
  • Certain contributions are tax deductible (IRS provides guidelines about claiming a tax deduction for your Traditional IRA contributions)
  • Withdrawals made at or after age 59½ without penalty
  • Must begin withdrawals at age 72 (70½ if you turned 70½ before 1/1/2020)

Roth IRAs

  • Available to anyone regardless of age who has annual compensation and qualifies for the individual’s modified adjusted gross income levels, determined by federal income tax return filing status
  • No withdrawals are required at age 70½

Education IRAs (Coverdell Education Savings Account)

  • Each child under age 18 may have contributions made to a single account or multiple accounts designed to benefit the child
  • Contributions and earnings are tax-free when withdrawn to pay for a child’s education expenses
  • Tax-free withdrawals can be made for college, secondary and elementary school expenses

Health Savings Account (HSA)

  • $100 minimum opening balance required
  • Unlimited check writing & no per check charges
  • No monthly service charge
  • Check & debit card service available to pay medical expenses
  • Convenient combined statements
  • Interest paid on tiered balances
  • Account must have a qualified High Deductible Health Insurance Plan

1 Separate application required. Subject to approval.

2 A penalty may be imposed for early withdrawal. Fees on accounts could reduce earnings on the account. The Annual Percentage Yield (APY) assumes that interest will remain on deposit. If a withdrawal occurs, earnings will be reduced. The interest rate and annual percentage yield may change on the above accounts. We may change the rate on these accounts at our discretion at any time.

3 Customers must be registered users of Online Banking to be eligible. Third party message, data or internet service provider charges may apply.

4 Deposit account rules terms and conditions apply with enrollment.

5 A person must be of legal age to use online services.

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