Personal Checking Accounts
- Access to Allpoint ATM Network1
- Online and Mobile Banking eligible
- Free Bill Pay2
- Debit Card Eligible (with SecurLOCK™ Equip)3
Premier CheckingFor those who maintain a higher balance
GoCheckingFor those on the go who prefer to bank electronically
Free Direct CheckingFor those with a monthly direct deposit
Student CheckingFor eligible students 16-26
Basic CheckingFor 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|
|Unlimited Check Writing||Yes||First 5 checks free9||Yes||First 5 checks free9||Yes|
|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 service fee for Bill Pay. 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.
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