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.