Elgin State Bank

They have rare US currency, and free student checking with no minimum balance, a great mobile app, (up to) 5 atm fees waived per month (anywhere), free coin counting, good interest rates on savings and CDs, and apple pay support! Phone support was good (in my experience, as they are able to easily put a stop charge on) Tellers are always super nice with me too.

I switched to Elgin State Bank after being with a larger, well known bank for years. The main reason I left is that I felt like they kept talking away services that the customer could actually use, e.g., exchanging coins. I have been very happy with Elgin State Bank. I have never had an issue with any tellers or the ATM machine. I will be a long time customer.

So I walk into this bank and have a teller, Patty, assist with my documentation request.I will, admit, I was a little short as I skipped lunch and was wanting to leave asap. Tammy was able to help me with the documentation so I was on my way..I had to get to UPS to have some items sent out.One problem, my car was dead and I just had the battery changed. I couldn't find anyone with cables but Patty said she would help. She could have said Sorry since I was a little short but she actually helped. When I apologized and mentioned I had a light breakfast and skipped lunch, she pulled out a kind bar and gave it to me. I was just shocked what a sincere, good hearted woman she is. We live in dark times right now but Patty proved there is light. Give patty a raise, time off or something to show appreciation. Yeah I'm a fool for not having cables and skipping lunch. Lo siento.

As a small business owner, there's nothing more important than your relationship with your bank! Even before we had our business plan fully assembled, my husband and I were meeting with Adam Hogan at Elgin State Bank. He made himself available to talk through everything that was involved in fulfilling our dream of owning our own auto repair facility. Adam brought a wealth of wisdom for financial planning and very practical advice to assist us through the SBA process. In the years since we first acquired Fox River Tire & Auto, he has consistently gone above and beyond to serve and support our family and our business. I can't imagine that we would be where we are today without his support and the partnership of the team at Elgin State Bank team. Small town sensibilities and old fashioned service coupled with the professionalism and capacity of a national bank. The best of both worlds!

George Wittendorf, He was very kind and helped me with everything.

Friendly , fast and professional service, don't know what took me so long to do business with them

Friendly and courteous tellers make my weekly trip pleasant.

Been with this bank for over 30 years.tthey have Always been there when we needed them. Always wonderful service.

Great Bank everyone was nice and helpful.
My kids love the cookies they have lol

Very friendly Bank, good service

Great service. It works.

Where do I start? Thought this might be a nice change of pace from the typical chain bank with their nice lobby and seemingly welcoming staff. Gave them a shot with financing my new sprinter van. After bringing in tax returns and loads of paperwork and waiting a week for an answer, they finally told me they don't finance vans! Colossal waste of time, and almost lost the van to another buyer. MB financed us at the drop of a hat with no down payment. Easy. Chalked that up to maybe an isolated experience. Gave them another shot. Applied for a business loan for a new building. Same story. Jump through hoops that are unnecessary to evaluate our creditworthiness to see if we meet their interesting terms which could be done in a matter of minutes with a knowledgeable banker and a calculator. Wasted another couple weeks moving at the rate of sludge. Went another route and closing on that in a few weeks in half the time it took for ESB to even look at our application. Thought I'd never work with this bank again after "fool me twice shame on me". After applying for a HELOC with another bank and being approved easily with ample income and 793 credit score in under a week, I noticed an ad for a much lower introductory offer on the APR with these jokers again. Ugh, well it is always nice to pay less to the banks that apparently don't need the money as much as the consumers do, so we applied again. Talked to one of the desk puppets who proudly stated "our underwriter is in house so we don't have to wait for outsourced replies or lags in answers". Seems fair. Told her we have a tight timeline to get this done as we are using the cash for another investment property. Yep, same story. Steve, their underwriter, is about as lazy as they come. Didn't even look at our info until almost 3 weeks later. Then, a response in a canned email that simply said "sorry we have declined you". No explanation, no phone call to work with us as to how to adjust our income/expense portfolio to meet their criteria, nothing. Simply, "no". I'd love to be in a situation where I could turn away dollars from exceptionally credit worthy individuals with plenty of income to repay a small loan backed with personal real estate, investment income, perfect repayment history, and high W2 earnings also. Unfortunately I have to go to work, unlike this guy. He gets paid to literally do nothing all day. I'm wondering what you would need to get approved from them at this point. I guess if you earn less then 200K, have any debt whatsoever, or have less then a perfect 850 score, don't bother applying here. Zero stars. There are 3 other companies getting all the interest this bank could have had if they wanted to actually do what banks do, and lend money to worthy people.