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
Free 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 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.