Open a Byline Personal Bank Account Online

Personal Checking and Savings Accounts

Simple Checking

The simple straightforward checking account you want.¹

Open Online

Prime Life Checking

Ages 55+. No monthly fees. You earned it.

Open Online

Student Checking

Hassle-free banking tailored for students 13-24.

Visit a Branch

Statement Savings

Start that rainy day fund and earn interest with a low minimum monthly balance.²

Open Online

Money Market Accounts

Signature Money Market

Earn higher rates the more you save.
Tiered accounts with APY³ based on account balances.
Earn up to 3.50% on accounts with balances $250,000 and over.
Minimum $5,000 to open account.

Open Online

Online Money Market

Earn 4.00% APY⁴ when you open with $5,000.
Digital account with convenient 24/7 online access.

Open Online

Advantage Money Market

Earn 4.10% APY⁵ when you open with $25,000.
Digital account with convenient 24/7 online access.

Open Online

Certificates of Deposit

Smart, dependable savings with competitive rates.

6 month promo^6,7

4.30%

Annual Percentage Yield

_{New funds only, defined as new to Byline.}

Open Online

11 month promo^6,7

3.90%

Annual Percentage Yield

_{New funds only, defined as new to Byline.}

Open Online

1 year⁷

0.50%

Annual Percentage Yield

Open Online

2 year⁷

0.70%

Annual Percentage Yield

Open Online

3 year⁷

0.75%

Annual Percentage Yield

Open Online

4 year⁷

1.00%

Annual Percentage Yield

Open Online

5 year⁷

1.25%

Annual Percentage Yield

Open Online

Features

Byline Bank Debit Mastercard®

By choosing a Byline Bank Debit Mastercard® to go with your Byline Bank account, you’re choosing fee-free ATM access to more than 55,000 Byline and Allpoint® ATMs nationwide. You’ll enjoy the security of Mastercard Zero Liability and the flexibility of Card Controls with the ability to make digital payments from mobile wallet apps like Apple Pay™, Samsung Pay™, and Google Pay™.

Ridiculously easy online and mobile banking.

Skip in-person visits with online and mobile banking where you can do the majority of your day-to-day banking securely from your computer or mobile device. You can schedule, track and pay bills, confirm account balances, transfer funds between Byline Bank accounts, pay friends through Zelle® and set up reminders and alerts. All at your fingertips.

Protecting you and your money.

At Byline, we’re committed to making sure your money and your private information remain secure. We will never call, email or contact you to request any confidential information, including your Social Security or account numbers, passwords or user ID, debit card PIN or online banking information. Never.

You work hard.
We work hard for you.

A neighborhood bank is a place where we know you. We’re the partner that helps you write your story. We don’t need to be the biggest bank; we just need to be the bank that fits your life.

When we come together, great things happen.

Byline. Banking Done Right.

APY = Annual Percentage Yield. Signature MMA APY is effective as of November 8, 2024. See Deposit Account Agreement and Disclosure and Account Brochure for additional terms.

1. Simple Checking – $100 minimum to open. See Personal Deposit Account Agreement and Disclosure and Rate Sheet, for additional terms and conditions.
A monthly service fee of $5 will be charged unless 1) the average account balance is $500 or more or 2) the combined account balance in your personal deposit accounts, where you are the primary owner, is $10,000 or more. The primary owner for joint accounts is the accountholder whose name appears first, and for fiduciary accounts is the principal owner of the funds. The average account balance for the Simple Checking Account is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of days within that statement period. The combined account balance includes the average account balance for the Simple Checking Account as of the statement date, the principal balance of all eligible CDs, and the average account balance for other eligible checking, savings and money market accounts. The average account balance for these accounts is calculated by adding the balance at the end of each calendar day since the start of the account’s statement period until the day before the Simple Checking’s statement date and dividing that sum by the total number of days in that period. Eligible accounts include both IRA and non-IRA accounts.

2. Statement Savings – $3 monthly service fee or $0 with $200 minimum monthly balance. $100 minimum to open. See Personal Deposit Account Agreement and Disclosure and Rate Sheet, for additional terms and conditions.

3. Signature Money Market Account (SMMA) offering the APY based on the following balance: APY of 0.50% on balances of $5,000 – $9,999.99, APY of 2.25% on balances of $10,000 – $24,999.99, APY of 3.25% on balances of $25,000 – $99,999.99, APY of 3.35% on balances of $100,000 – $249,999.99 and APY of 3.50% on balances of $250,000 and more. Rates may change after the account is opened. New funds only as defined as not currently on deposit with Byline Bank. Minimum $5,000 to open the account and earn APY. A monthly fee of $25 will be imposed if minimum daily balance falls below $5,000. Interest compounded and paid monthly. SMMA Fees may reduce earnings on the account. Rates are set at the bank’s discretion and may change at any time. We reserve the right to cancel or change the promotion at any time.

No monthly service fee will be assessed on the first statement cycle after account opening. Interest rates on all accounts are set at the bank’s discretion. Interest rates and annual percentage yields may change at any time without notice. For tiered rate accounts, the disclosed interest rate is paid on the entire balance for that tier. You must maintain the minimum required balance in the account each day to obtain the annual percentage yield listed above. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit any non-cash items (for example, checks). Accounts closed before the interest payment date will not earn accrued interest for that period. Fees may reduce earnings on the accounts. See Deposit Account Agreement and Disclosures for additional terms.

4. The Online Money Market must be opened online. New funds only, defined as funds not currently on deposit with Byline Bank. Interest rates are set at the Bank’s discretion and may change without notice. Rates may change after the account is opened. The Account requires a minimum of $5,000 to open and a minimum daily balance of $5,000 to avoid a $25 monthly service fee. No monthly service fee will be assessed on the first statement cycle after account opening. Fees may reduce earnings.

5. The Advantage Money Market Account must be opened online. New funds only, defined as funds not currently on deposit with Byline Bank. Interest rates are set at the Bank’s discretion and may change without notice. Rates may change after account is opened. The Account requires a minimum of $25,000 to open and a minimum daily balance of $25,000 to avoid a $25 monthly service fee. No monthly service fee will be assessed on the first statement cycle after account opening. Fees may reduce earnings.

6. Limited time offer only available when opening in Byline Bank branches or online. $5,000 minimum deposit to open. $5,000 to earn Annual Percentage Yield (APY). New funds only, defined as new to Byline. Certificate of Deposit (CD) offering a 4.30% APY has a term of 6 months and applies the simple interest method, with interest paid at maturity. CD offering a 3.90% APY has a term of 11 months, with interest compounded and paid quarterly. We reserve the right to cancel or change the promotion at any time. Promotional CDs may renew into a different term. We send you a maturity notice prior to renewal. Please read it carefully.

7. Rates and Interest
Rates and annual percentage yields (APYs) are set at the bank’s discretion and are subject to change without notice. The APY assumes that interest remains on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. The 6-month and 11-month promo CDs require a $5,000 minimum deposit to open the account and to earn the APY. The 1, 2, 3, 4, and 5 year CDs require a $500 minimum deposit to open the account and to earn the APY. The stated interest rate is fixed for the term of the CD and will be paid quarterly until maturity, except for the 6-month promo CD. The 6 month promo CD applies the simple interest method, with interest paid at maturity. Interest may be paid by check or transfer to another account, at your option. You will forfeit any accrued interest that has not yet been credited to your account, if the account is closed prematurely. We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks).

Deposits
Deposits are accepted to all CDs during the grace period. Rates and annual percentage yields (APYs) are set at the bank’s discretion and are subject to change without notice. The APY assumes that interest remains on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. The 6-month and 11-month promo CDs require a $5,000 minimum deposit to open the account and to earn the APY. The 1, 2, 3, 4, and 5 year CDs require a $500 minimum deposit to open the account and to earn the APY. The stated interest rate is fixed for the term of the CD and will be paid quarterly until maturity, except for the 6-month promo CD. The 6 month promo CD applies the simple interest method, with interest paid at maturity. Interest may be paid by check or transfer to another account, at your option. You will forfeit any accrued interest that has not yet been credited to your account, if the account is closed prematurely. We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks).

Withdrawals
You may not withdraw any principal from this Certificate before maturity without our consent, which may be withheld; if we permit such a withdrawal, you may have to pay a penalty as follows: A) Where the original maturity of the account is one year or less, the penalty will be forfeiture of 90 days interest on the amount withdrawn, at the nominal (simple interest) rate in effect during the term. B) Where the original maturity of the account is more than one year, the penalty will be forfeiture of 180 days interest on the amount withdrawn at the nominal (simple interest) rate in effect during the term. C) If the withdrawal is within 6 days after the date of first deposit, a minimum of 7 days of interest will be charged as a penalty. You must withdraw funds within the grace period to avoid being charged a penalty. Fees could reduce the earnings on the account.

Renewal
Unless you notify us in writing before the maturity date, or within the grace period, Certificates of Deposit will automatically renew on the maturity date. The grace period is ten (10) calendar days for CDs with a term greater than 31 days and is three (3) calendar days for CDs with a term 31 days or less. We can prevent automatic renewal if we notify you in writing on or before the maturity date that we do not intend to renew the account. Promotional Certificate of Deposits may renew into a different term. If you close your CD during the grace period, no accrued interest will be paid after the maturity date. We send you a Maturity Notice prior to renewal. Please read It carefully. We may change the type, term or other feature of your bank CD by giving you notice. If we make a change, we tell you about the change in the Renewal Notice. See Personal Deposit Account Agreement and Disclosure for additional terms and conditions.

Personal Accounts

Personal Checking and Savings Accounts

Simple Checking

Prime Life Checking

Student Checking

Statement Savings

Money Market Accounts

Signature Money Market

Online Money Market

Advantage Money Market

Certificates of Deposit

4.30%

3.90%

0.50%

0.70%

0.75%

1.00%

1.25%

Features

Byline Bank Debit Mastercard®

Ridiculously easy online and mobile banking.

Protecting you and your money.

You work hard. We work hard for you.

Byline. Banking Done Right.

You work hard.
We work hard for you.