Personal Checking Accounts

BSNB checking account options are tailored to meet your financial needs and goals and our Relationship Managers are well-equipped to help you choose the best checking account for you.

Benefits

  • Access to Allpoint ATM Network1
  • Online and Mobile Banking eligible
  • Bill Pay2
  • Debit Card Eligible (with SecurLOCK™ Equip)3

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Accounts

Premier Checking

For those who maintain a higher balance

GoChecking

For those on the go who prefer to bank electronically

Free Direct Checking

For those with a monthly direct deposit

Student Checking

For eligible students 16-26

Basic Checking

For those with a need for traditional checking
Monthly Maintenance Fee $15 if combined balances on eligible accounts is not maintained $5 if monthly transaction requirements are not met4 $10 if monthly direct deposit is discontinued N/A $3 if balance is not maintained
Ways to Avoid Monthly Maintenance Fee Maintain combined balances on eligible accounts5 of $20,000 or more Satisfy the transaction requirement4 Qualifying Direct Deposit required6 Must enroll in estatements7 Maintain daily ledger balance of $500 for the statement cycle
Interest Earned Check out our current rates Interest is earned if the average daily collected balance for the statement period is $500 or more N/A N/A N/A; N/A
eStatements Available Required8 Available Required8 Available
Unlimited Check Writing Yes First 5 checks free9 Yes First 5 checks free9 Yes
Additional Rewards Yes N/A N/A N/A N/A
Additional ATM Fee Rebate or Waiver BSNB’s fee to use a non-Allpoint ATM is waived10 Up to 4 non-Allpoint ATM foreign operator fees rebated each statement cycle11 N/A Up to 4 non-Allpoint ATM foreign operator and BSNB fees rebated/waived each statement cycle12 N/A
Minimum to Open $50 $50 $50 $50 $25

1 Foreign operator and BSNB ATM fees are waived if using an Allpoint ATM terminal. 2 There is no monthly Bill Pay service fee for Premier Checking, Go Checking, Free Direct Checking and Student Checking accounts. There is a $4.95 monthly fee for Basic Checking. For Premier Checking, Go Checking, Free Direct Checking, Basic Checking and Student Checking accounts the first 20 transactions per statement cycle are free, each item thereafter is $0.75. 3 SecurLOCK Equip is a mobile app that allows you to control how, when and where your debit card is used. Apple or Android smartphone required. 4 If 10 electronic monthly transactions are met, the $5 monthly maintenance fee will be waived. These transactions must be posted during the statement cycle and can be a combination of the following: Direct Deposits, Point of Sale Transactions, Mobile Check Deposits, Electronic Transfers via Online Banking or Mobile Banking, or ACH Transactions (Debit or Credit). 5 Qualifying balances for Premier Checking include: Personal Savings, CD/IRA, Money Market and Checking. Monthly maintenance fee of $15 per month charged to the Premier Checking account if combined balance falls below minimum. Loans subject to application and approval. 6 A monthly direct deposit of Government or payroll check is required. 7 This is a paperless account; paper statements are available for a $3 monthly fee. There is no fee for the first five (5) checks paid per statement cycle. Additional checks paid are $1.00 each. 8 Paper statements are available for $3 a month. 9 First 5 checks paid per statement cycle are free, each check thereafter is $1.00. 10 The operator of the non-Allpoint ATM may charge a fee. 11 If 10 electronic monthly transactions are met, up to 4 non-Allpoint foreign operator fees will be rebated each statement cycle. These transactions must be posted during the statement cycle and can be a combination of the following: Direct Deposits, Point of Sale Transactions, Mobile Check Deposits, Electronic Transfers via Online Banking or Mobile Banking, or ACH Transactions (Debit or Credit). 12 Up to 4 non-Allpoint ATM foreign operator fees will be rebated each statement cycle; up to 4 non-Allpoint ATM BSNB fees will be waived each statement cycle.

Additional Services

Premier Plan Relationship Rewards

Entrust your banking relationship to BSNB and receive exceptional value for the banking services you rely on.
Learn how to qualify