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Personal Checking Accounts

Whether you are looking for a relationship checking account or a digital account, our checking account options provide the flexibility and convenience you need.

PRIME TIME™ Checking

An account that compliments your lifestyle.

Our premier relationship checking account offers the most benefits including our highest rate of interest.

Open An Account

eChecking

Go lean & green.

Our digital checking account is economical and convenient with paperless statements. We also waive maintenance fees for accounts with direct deposit and students 16-24.

Open An Account

NOW Checking

Earn more for less.

Earn interest while maintaining a low minimum balance.

Open An Account

Basic Checking

Back to basics.

A low cost checking solution for people who require minimal check writing.

Open An Account

Find the account that works for you.

Anchor Cell	PRIME TIME Checking Relationship account with the most benefits. Open An Account	eChecking Simple checking that works great for everyone. Open An Account	NOW Checking An interest earning account with a low minimum balance requirement. Open An Account	Basic Checking A low cost account option with 8 free checks per month. Open An Account
Minimum Daily Balance (To waive monthly maintenance fee)	$5,000 Daily combined consumer deposit account balances¹	$1,000 (Waived with valid student ID or direct deposit)²	$400	None
Monthly Maintenance Fee	$15	$10	$5	$2.50
ATM Access (using your Debit MasterCard© or ATM Card)	Free at BCSB, Allpoint & Bank of America ATMs³	Free at BCSB & Allpoint ATMs	Free at BCSB & Allpoint ATMs	Free at BCSB & Allpoint ATMs
Statements	Free eStatements	Free eStatements $1 paper statements	Free eStatements	Free eStatements
Interest Earning	Yes (Tiered)	No	Yes	No

¹Combined consumer deposit balance includes checking accounts, savings, money markets, CDs and IRAs. ² Waived with either a valid student ID (ages 16-24) or direct deposit of paycheck or social security benefits. ³We won’t charge ATM fees to any PRIME TIME checking accounts, with the exception of international transactions. Surcharge free access for PRIME TIME Checking accounts at all Bristol County Savings Bank, Bank of America and Allpoint ATMs. Transactions at machines not owned by us or BOA, or ATMs not displaying to Allpoint logo, may result in a surcharge assessed by the institution where the transaction takes place.

Checking Accounts

Rates effective as of 11/15/2024

Account Type	Interest Rate	Annual Percentage Yield (APY)	Minimum Balance Required to earn advertised APY
PRIME TIME Checking ^1,2	0.05% 0.03%	0.05% 0.03%	$2,500 & up $ 0.01 ‑ $2,499.99
NOW Account^1,2	0.03%	0.03%	$0.01

¹ The minimum opening deposit for these accounts is $10.00.
² The rate on these accounts may change after the account is opened.
Fees could reduce the earnings on all accounts listed above.

All checking accounts feature*:

online banking icon mobile banking icon estatements icon bill pay icon overdraft protection icon quicken compatibility icon

*Bill pay users must be 18 years of age and over. All checking accounts offer the above features but users must perform an action to access them. Overdraft opt-in is required.