Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

Countryside Bank Review

Your Details Done
by Updated
Countryside Bank Savings
0.01% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Countryside Bank was founded in 1975 with headquarters located in Countryside, Illinois. Countryside Bank owns $553 million in assets as well as deposits totaling $485 million, ranking it as a medium-size bank. Countryside Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. SmartAsset has rated the bank 4.2 out of 5 stars, suggesting Countryside Bank is a great choice and should warrant serious consideration. Countryside Bank offers a complete selection of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, Countryside Bank offers an option without a maintenance or monthly fee. Obtaining a checking account with no monthly fee as well as a savings account with a high APY at the same institution is the best bet for returning the most income from your deposits while maintaining convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Countryside Bank features a savings rate of 0.01%, which is fair in comparison to the national average. Countryside Bank's one-year CD has a rate of 0.10%, while its highest-yielding money market account earns at a rate of 0.01%. Given its noncompetitive savings rate, you should consider taking a look at other banks for savings accounts.

How Countryside Bank's Savings Rates Compare

Countryside Bank Savings 0.01 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

Countryside Bank charges its customers extremely low fees compared to the national average. With no monthly fee, Countryside Bank's checking account is ideal for people who want an easy banking experience. Countryside Bank refunds their out-of-network ATM charges, making withdrawing money a free and convenient process.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
Back to Overview

Service Quality

SmartAsset Average: 3.7

Countryside Bank is a brick-and-mortar bank, with six total branches in Illinois. With mobile and web apps, Countryside Bank makes mobile banking convenient, even on the go. Countryside Bank's online and mobile banking platforms get fair marks from users. The Countryside Bank mobile app is rated at 3.8 out of 5 (with 21 ratings on Apple and Android) compared to the national average of 3.8. Countryside Bank's mobile app allows you to control your finances by checking account balances, transferring money and accessing customer service. Countryside Bank gets an exceptional consumer satisfaction score based on relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 3.8/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
Back to Overview

Financial Health

SmartAsset Average: 4.8

Countryside Bank is a medium-size bank and owns $553 million in assets and $485 million in deposits. Countryside Bank's Texas Ratio is 3.91%, signifying a low likelihood of failure. Additionally, Countryside Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare Countryside Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.01% APY $1
Checking Account 0.01% APY $1
Certificates of Deposit
  • 12 Month: 0.10% APY
  • 24 Month: 0.20% APY
  • 36 Month: 0.30% APY
  • 48 Month: 0.40% APY
$1000 for all terms
Money Market Account 0.01% APY $1

Countryside Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Countryside Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Countryside Bank's CD rates are fair as compared against the national average.

Back to Overview

Find a Countryside Bank Near Me

Countryside Bank has six locations across the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure