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 Card Suite Lite)3

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Accounts

Premier Checking

For those who maintain a higher balance

Free Direct Checking

For those with a monthly direct deposit

Freedom Checking

Enjoy competitive interest rates and a digital experience

Freedom 55 Checking

Banking made easy for customers 55 and older

Smart Start Checking

For customers ages 15-26

Basic Checking

For those with a need for traditional checking
Monthly Maintenance Fee $15 if combined balances on eligible accounts is not maintained $10 if monthly direct deposit is discontinued N/A N/A 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 Qualifying Direct Deposit required6 N/A N/A Must enroll in estatements7 Maintain average daily balance of $250 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 Yes4 N/A N/A N/A
eStatements Available Available Required to enjoy all benefits Available Required7 Available
Unlimited Check Writing Yes Yes Yes Yes Yes Yes
Additional Rewards Yes N/A N/A N/A N/A N/A
Additional ATM Fee Rebate or Waiver BSNB’s fee to use a non-Allpoint ATM is waived8 BSNB’s fee to use a non-Allpoint ATM is waived8 Up to $20 non-Allpoint ATM foreign operator fees rebated each statement cycle4 N/A BSNB’s fee to use a non-Allpoint ATM is waived, up to 4 non-Allpoint ATM foreign operator fees rebated each cycle9 BSNB’s fee to use a non-Allpoint ATM is waived8
Minimum to Open $50 $50 $50 $50 $50 $50

1 Foreign operator and BSNB ATM fees are waived if using an Allpoint ATM terminal. 2 Online Bill Pay is $4.95/month with Basic Checking. 3 Card Suite Lite is a mobile app that allows you to control how, when and where your debit card is used. Apple or Android smartphone required. 4 To earn interest and ATM fee rebates, estatements, 10 monthly point of sale (debit card) transactions, and a monthly direct deposit are required. 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. 8 The operator of the non-Allpoint ATM may charge a fee. 9 Up to 4 non-Allpoint ATM foreign operator fees will be rebated each statement cycle.

Additional Services

Premier Plan Relationship Rewards

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