Personal Checking Accounts

The power to choose

You have financial needs, and we have you covered with four rewarding checking accounts that offer benefits like convenience, rewards, interest earnings and much more. Comparing checking accounts is simple with the table below, or contact one of our relationship bankers to help choose the best option for you!

Comparing checking accounts

Comparison table of personal checking accounts - Student Rewards Checking
Student Rewards Checking
DescriptionStudents age 13 to 24* earn points toward cash back or merchandise with no monthly service charge
Minimum Balance to Open$25.00
Monthly Service ChargeNone
How to Avoid Monthly Service ChargeN/A
Requires eStatementsYes
Online BankingYes
Mobile Banking***Yes
Mastercard® Debit CardYes
uChoose Rewards®Yes
Interest Earning
Personal Reserve Account (PRA)
Discount on New Trust Account
Discount on Safe Deposit Box
Free BOSP Specialty Style Checks
Free Money Orders and Cashier’s Checks
Invitations to Exclusive Events
Learn MoreStudent Rewards Checking
Comparison table of personal checking accounts - Freedom Checking Accounts
Freedom Checking Accounts
DescriptionEnjoy a simple checking account with no monthly service charges
Minimum Balance to Open$100.00
Monthly Service ChargeNone
How to Avoid Monthly Service ChargeN/A
Requires eStatements
Online BankingYes
Mobile Banking***Yes
Mastercard® Debit CardYes
uChoose Rewards®
Interest Earning
Personal Reserve Account (PRA)
Discount on New Trust Account
Discount on Safe Deposit Box
Free BOSP Specialty Style Checks
Free Money Orders and Cashier’s Checks
Invitations to Exclusive Events
Learn MoreFreedom Checking
Comparison table of personal checking accounts - Rewards Checking Accounts
Rewards Checking Accounts
DescriptionEarn points to redeem toward merchandise, travel or cash back
Minimum Balance to Open$100.00
Monthly Service Charge$7.50
How to Avoid Monthly Service Charge

Any 1 of the 5:

Direct deposits (minimum of $250.00 cumulative per statement cycle)

$1,000.00 in combined daily account balances

Loan or line of credit (excludes Visa, Business and PRA)

Combination of three bill payments or ACH debits posted to your account per statement cycle

24 years of age or younger
Requires eStatementsYes
Online BankingYes
Mobile Banking***Yes
Mastercard® Debit CardYes
uChoose Rewards®Yes
Interest Earning
Personal Reserve Account (PRA)
Discount on New Trust Account
Discount on Safe Deposit Box
Free BOSP Specialty Style Checks
Free Money Orders and Cashier’s Checks
Invitations to Exclusive Events
Learn MoreRewards Checking
Comparison table of personal checking accounts - Elite Rewards Checking Accounts**
Elite Rewards Checking Accounts**
DescriptionReceive all the perks of a Rewards Checking Account — plus more
Minimum Balance to Open$100.00
Monthly Service Charge$15.00
How to Avoid Monthly Service Charge

Maintain a minimum daily balance of $1,000.00

Maintain at least $5,000.00 minimum daily balance in non-checking-related deposit accounts
Requires eStatements
Online BankingYes
Mobile Banking***Yes
Mastercard® Debit CardYes
uChoose Rewards®Yes
Interest EarningYes
Personal Reserve Account (PRA)Yes
Discount on New Trust AccountYes
Discount on Safe Deposit BoxYes
Free BOSP Specialty Style ChecksYes
Free Money Orders and Cashier’s ChecksYes
Invitations to Exclusive Events
Learn MoreElite Rewards Checking
Comparison table of personal checking accounts - Indepen­dence Plus Checking Accounts**
Indepen­dence Plus Checking Accounts**
DescriptionEarn interest, enjoy many perks and qualify for social outings (for those 55 and older)
Minimum Balance to Open$100.00
Monthly Service Charge$7.50
How to Avoid Monthly Service ChargeMaintain at least $2,500.00 minimum daily balance in non-checking-related deposit accounts
Requires eStatements
Online BankingYes
Mobile Banking***Yes
Mastercard® Debit CardYes
uChoose Rewards®
Interest EarningYes
Personal Reserve Account (PRA)Yes****
Discount on New Trust AccountYes
Discount on Safe Deposit BoxYes
Free BOSP Specialty Style ChecksYes
Free Money Orders and Cashier’s ChecksYes
Invitations to Exclusive EventsYes
Learn MoreIndepen­dence Plus Checking

 

** All Interest Rates and Annual Percentage Yields (APY) are current as of this date but are subject to change at our discretion. The disclosed APY assumes that the interest will remain on deposit; interest withdrawals will affect APY. Bank uses the daily balance method to calculate the interest on your account. This method applies a daily rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Interest is compounded and credited monthly on your collected balance. These are variable rate accounts. The interest rate that corresponds to the amount on deposit is paid on the full balance.

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