REALTunes® Checking

How often does a checking account make you want to dance? Yeah, we thought so, but that’s what REALTunes Checking will do for you. Earn refunds for iTunes® and®, plus ATM fee refunds* — not just in Lake County and Northeast Illinois, but nationwide! You’ll even get an extra $9.95 in iTunes® and® refunds when you open your account. Do you feel like dancing yet?

  • Free checking that pays you to shop online
  • Earn up to $4.95 in refunds for iTunes® and/or® purchases each month*
  • Get up to $9.95 in refunds for iTunes and/or Amazon purchases when you open your account*
  • Refunds on ATM fees, nationwide (up to $25 monthly)*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking with bill pay
  • Free mobile banking
  • Free eStatements
  • Free telephone banking
  • Free MasterCard® debit card with UChoose Rewards®
  • Unlimited check writing with no per-check fees
  • $50 minimum deposit to open


To earn your rewards, just do the following transactions and activities in your REALTunes Checking account during each Monthly Qualification Cycle:

  • Have at least 10 signature-based debit card purchases post and settle
  • Be enrolled in and log into online banking
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your REALTunes Checking account is still free and you can get right back to earning your full rewards the very next month!

A few clicks and you’re done — get started now!

*The minimum to open account is $50 You will be refunded up to $9.95 (which includes any applicable sales tax) for iTunes® and/or® purchases that post to and settle to your account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $4.95 (which includes any applicable sales tax) in refunds of iTunes and/or purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made using your NorStates Bank MasterCard® debit card associated with your REALTunes account. Qualifying transactions must post to and settle to your account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle to your account. ATM-processed transactions, PIN based transactions, and transfers between accounts do not count towards qualifying debit card transactions.To comply with federal regulations regarding network exclusivity limitations, NorStates Bank has PIN-less debits enabled through our PIN network, Accel. A merchant may elect to route your purchase through the PIN network even in instances where you do not utilize your PIN to complete your transaction. Transactions processed through the PIN network do not count towards your transaction requirements. You may ask a merchant to process your transaction as "credit" instead of "debit" to route your purchase transaction through the MasterCard® network. The merchant may or may not comply with your request "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and is a registered trademark of Amazon, Inc. Apple, Inc. and Amazon, Inc. are not participants in or sponsors of this program.