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Countryside Bank Review

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

Overview

Countryside Bank was founded in 1975 with its headquarters in Countryside, Illinois. Countryside Bank owns assets of $553 million and $485 million in deposits, making it a medium-size bank. Countryside Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. At a SmartAsset rating of 4.2 out of 5 stars, Countryside Bank should be solidly in contention for your choice of bank. Countryside Bank provides customers with a varied choice of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Countryside Bank has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, Countryside Bank's standard checking does not have a monthly maintenance fee. Finding a bank with free checking as well as a high savings APY is your best option for returning the most income from your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.2/5
National Average: 4.1

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

Rates

2.8
SmartAsset Average: 3.5

Countryside Bank has a savings rate of 0.01%, which is fair as compared against the national average. Countryside Bank's one-year CD earns at a rate of 0.10%, while its highest-yielding money market account has a rate of 0.01%. Given its below average savings rate, you should think about 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
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Fees

5.0
SmartAsset Average: 4.4

Countryside Bank typically has extremely low fees compared to the national average. Its checking account has no monthly fee, ranking it excellent for anyone looking for a hassle-free account. Countryside Bank reimburses their out-of-network ATM fees, which means easy access to cash at any time.

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
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Service Quality

3.9
SmartAsset Average: 3.7

Countryside Bank is a brick-and-mortar bank, with six total bank locations in Illinois. With mobile and web apps, Countryside Bank makes mobile banking straightforward, even on the go. Countryside Bank's online and mobile banking services receive moderate feedback from users. The Countryside Bank mobile app scored a 3.8 out of 5 (out of 21 reviews on Apple and Android) compared to the national average of 3.8. Countryside Bank's mobile app lets you control your bank accounts by checking monthly statements, sending and receiving funds and accessing customer service. Countryside Bank gets an excellent consumer satisfaction rating based on comparatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial 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
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Financial Health

4.9
SmartAsset Average: 4.8

Countryside Bank ranks as a medium-size bank and has assets totaling $553 million as well as deposits totaling $485 million. Its Texas Ratio is 3.91%, indicating a minute probability 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

3.91%
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.

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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 think about taking a look 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 in comparison to other U.S. banks.

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Find a Countryside Bank Near Me

Countryside Bank has six branches across the U.S.

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