When my wife(then girlfriend) and I first accumulated enough money in college to put into a CD, we found First Clover Leaf to have the best rates in the area. We later opened a checking account with them because they offered a high interest return on our balance as long as we met a few requirements — so many direct deposits, debit transactions, and online bill payments per month. These were easy to accomplish between two working college students. Now that the economy has tanked and our interest rates have dropped, we still have our money with First Clover Leaf because the rate of return on our checking account is much higher than any other bank option we have seen. They have multiple locations in the Edwardsville area and the workers have all always been friendly and professional. Even if we find a better investment, we will continue to use this bank for our primary account.