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Personal Checking Solutions
No monthly fee for Bill Pay services when you use our Free Direct Checking, Senior Checking, Interest Checking or Premier Checking accounts. We also offer Basic Checking for those who prefer keeping a lower balance.
Free Direct Checking (for customers with direct deposit of a government or payroll check)
This account has no monthly maintenance fee for those who direct deposit.
- $50 minimum deposit to open
- No per item fees
- Monthly maintenance fee of $10 if monthly direct deposit is discontinued
- AvailPlus debit MasterCard®* with access to any AVAIL, NYCE or Plus Network location
- Instant Money Line* available for overdraft protection
- Online Banking - free access to account information
- Free access to Bill Pay - our online bill payment service
- 24 hour account access available via phone on BANKLINK24 (885-6782)
- Easy-to-read monthly statement with imaged checks
- Complimentary Starter Checks
* Upon approved application.
Senior Checking (for customers age 62 or older)
This account has no monthly maintenance fee.
- $50 minimum deposit to open
- No per item fees
- AvailPlus debit MasterCard®* with access to any AVAIL, NYCE or Plus Network location
- Instant Money Line* available for overdraft protection
- Online Banking - free access to account information
- Free access to Bill Pay - our online bill payment service
- 24 hour account access available via phone on BANKLINK24 (885-6782)
- Easy to read monthly statement with imaged checks
- Complimentary Starter Checks
* Upon approved application.
Basic Checking (for those who prefer keeping a lower balance)
A basic banking account with convenient ways to access your money.
- $25 minimum deposit to open
- No per item fees
- No monthly maintenance fee with an average daily collected balance of $500 or more
- Monthly maintenance fee of just $3 per month if average daily collected balance
is $499 or less - AvailPlus debit MasterCard®* with access to any AVAIL, NYCE or Plus Network location
- Instant Money Line* available for overdraft protection
- Online Banking - free access to account information
- 24 hour account access available via phone on BANKLINK24 (885-6782)
- Easy to read monthly statement with imaged checks
- Complimentary Starter Checks
* Upon approved application.
Interest Checking
Unlimited checkwriting with interest.†
- $50 minimum deposit to open
- No per check fees
- No monthly maintenance fee with an average daily collected balance of $500 or more
- Monthly maintenance fee of just $7 per month if average daily collected balance
is $499 or less - AvailPlus debit MasterCard®* with access to any AVAIL, NYCE or Plus Network location
- Instant Money Line* available for overdraft protection
- Online Banking - free access to account information
- Free access to Bill Pay - our online bill payment service
- 24 hour account access available via phone on BANKLINK24 (885-6782)
- Easy to read monthly statement with imaged checks
- Complimentary Starter Checks
* Upon approved application
† Interest is earned if the average daily collected balance for the statement period is $500 or more.
Premier Checking (available to Premier Plan members only)
Rewards for those who have a total banking relationship with BSNB.
This checking account provides the foundation for your Premier Plan membership. The Premier Plan rewards you with great values on all of the most important financial services you need, including higher CD rates, loan specials*, free Investment Planning consultation and much more!
Membership is easy. Simply open a Premier Checking Account and maintain a minimum of $10,000 in combined deposit and loan balances†.
- $50 minimum deposit to open Premier Checking
- No per item fees
- Unlimited check writing and interest on your balances
- Checkbook Orders - Two free boxes of basic checks each year
- No monthly maintenance fee when the minimum combined balance of $10,000 is kept
- Monthly maintenance fee of $15 per month charged to the Premier Checking account if balance falls below minimum
- AvailPlus debit MasterCard®* - all BSNB ATM transaction fees are waived on ATMs worldwideš
- Instant Money Line* available for overdraft protection
- Online Banking - free access to account information
- Free access to Bill Pay - our online bill payment service
- 24 hour account access available via phone on BANKLINK24 (885-6782)
- Easy to read monthly statement with imaged checks
* Upon approved application
† Qualifying balances: Personal Statement Savings, CD/IRA, Money Market or Passbook Savings, Checking Account, Holiday Club, Personal Consumer Loans [excluding Mobile Home and Instant Money Line], Mortgage, and Home Equity balances.
