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First Clover Leaf Bank

Popular Accounts at this Bank

1.31%5-year CD60 Month CD
0.20%1-year CD12 Month CD
0.05%SavingsSimply Savings

Overview / Commentary
6814 Goshen Road
Edwardsville, IL 62025

First Clover Leaf Bank is headquartered in Edwardsville and is the 65th largest bank in the state of Illinois. It is also the 1,080th largest bank in the nation. It was established in 1921 and as of September of 2016, it had grown to 83 employees at 7 locations. First Clover Leaf Bank has an A health rating.

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Reviews (3)

I Got Approved Without Problems - I Am Hoping First Clover Leaf Will Be Pleasant And Easy To Work With

Posted by: starlight | Sep 16, 2010

So far so good.  I got approved without problems.  Part of the online application process is ACH funding from another account where First Clover Leaf deposits two small amounts to be verified by you before approval.  I applied on the 14th and today (the 16th) I got an email today stating:

Welcome to First Clover Leaf Bank!  We have placed in today's mail a welcome packet containing:
·         A starter set of checks
·         Instructions to access your online banking services
·         A signature card which will need to be signed and returned
·         An overdraft service opt-in/opt-out notice which will need to be signed and returned

Please read over the overdraft service notice.  This notice contains important information regarding how First Clover Leaf Bank will handle any overdrafts related to one time debit card purchases and ATM transactions from your account.  If you have any questions about this notice, please feel free to contact me or any other member of our online account team. It would be our pleasure to further explain your options.  Please make your decision regarding opting in or out of overdraft protection. Then sign and date the form where indicated, and return it to the bank along with your signed signature card.

For your convenience we have included a postage paid envelope for you to return your signed signature card as well as your signed opt-in/opt-out notice.  Once we receive your signed signature card we will be able to order your debit card(s) and checks.  Please note that when your checks are ordered there will be a nominal charge of $13.84 automatically withdrawn from your account to cover the cost of checks.  This order will be for one box of 200 checks.

As a courtesy to new account holders, First Clover Leaf Bank will grant the bonus rate during the first statement cycle (the Statement Cycle will be processed on the 20th of every month or the last business day prior to the 20th if the 20th falls on a weekend or a holiday).  This will enable you to set up your bill pay, auto debit/credit, and receive your debit card(s).

Please remember to meet these requirements each statement cycle in order to earn the bonus rate for your account.
·                  10 Debit/Check Card Transactions
·                  1 Direct Deposit or ACH Auto Debit
·                  3 Online Bill Payments
·                  E-statement

Thank you for banking with First Clover Leaf Bank, and please let me know if I can be of further assistance to you

Stay away!

Posted by: Matt2 | May 27, 2014

Initially customer service was great--they seemed to have a great deal on a introductory (college) student banking account. However, I feel that the way they itemize their transactions (processing debits before credits regardless of timestamps) is an intentional attempt to make customers overdraw their accounts so that they can make a lot of money on fees. They have the highest fees I have ever experienced (I've banked with 5 different banks).

Only On First 15K, Not First 25K

Posted by: Anonymous | Sep 28, 2010

3.85% only on first 15K, not first 25K


Health Grade Components

FDIC Certificate #30330
Year Established1921
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.01%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$668.1MM$614.0MM
LoansQ3 2016vs Q3 2015$442.4MM$412.5MM
DepositsQ3 2016vs Q3 2015$534.5MM$500.8MM
Equity CapitalQ3 2016vs Q3 2015$97.2MM$82.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$6.00K$5.9MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$4.2MM$3.1MM
Real Estate OwnedQ3 2016vs Q3 2015$1.8MM$3.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Clover Leaf Bank Savings Account Rates

0.28%*$100k*-Variable Rate IRA
OTHER TIERS: 0.05% Up to $10k | 0.13% $10k - $50k | 0.18% $50k - $100k
0.28%*$100k*-Variable Rate Roth IRA
OTHER TIERS: 0.05% Up to $10k | 0.13% $10k - $50k | 0.18% $50k - $100k
0.28%*$100k*-Variable Rate CESA
OTHER TIERS: 0.05% Up to $10k | 0.13% $10k - $50k | 0.18% $50k - $100k
0.10%--Kids Club Savings
0.10%$250-Christmas Club Savings
0.10%--Vacation Club Savings
0.05%--Simply Savings

First Clover Leaf Bank Money Market Rates

0.28%*$100k*-Gold Leaf Money Market
OTHER TIERS: 0.05% Up to $10k | 0.13% $10k - $50k | 0.18% $50k - $100k
0.22%*$100k*-Business Money Market
OTHER TIERS: 0.07% $1k - $10k | 0.12% $10k - $50k | 0.15% $50k - $100k

First Clover Leaf Bank Checking Account Rates

0.35%*$50k*-Premium Interest Checking
OTHER TIERS: 0.03% Up to $1,500 | 0.05% $1,500 - $25k | 0.18% $25k - $50k
0.03%--Direct Interest Checking
0.03%--50+ Interest Checking

First Clover Leaf Bank CD Rates

1.31%$1k-60 Month CD
1.15%$1k-36 Month CD
0.75%$1k-48 Month CD
0.45%$1k-24 Month CD
0.35%$1k-18 Month CD
0.20%$1k-12 Month CD
0.10%$1k-6 Month CD

First Clover Leaf Bank IRA Rates

1.31%$1k-60 Month IRA
1.15%$1k-36 Month IRA
0.75%$1k-48 Month IRA
0.45%$1k-24 Month IRA
0.35%$1k-18 Month IRA
0.20%$1k-12 Month IRA
0.10%$1k-6 Month IRA

First Clover Leaf Bank Locations
Wood River Branch1046 Madison AvenueWood River, IL 62095
State Rte 157 Branch2143 S Hwy 157Edwardsville, IL 62025
St Louis Street Branch300 St Louis StreetEdwardsville, IL 62025
First Clover Leaf Bank, FSB6814 Goshen RoadEdwardsville, IL 62025
Swansea Il Branch4101 North Illinois StreetSwansea, IL 62226
Highland Branch12551 State Route 143, Ste A2Highland, IL 62249
Clayton Branch225 S. Meramec Ave, Suite 302Clayton, MO 63105