Personal Checking

 
This account is perfect for active check writers that do not want to worry about a monthly service charge.
 
  • Open with as little as $100
  • $100 Bounce Protection
  • Unlimited check writing
  • No Minimum Balance Requirement
  • E-Statement*
  • Internet Banking
  • Bill Payment Services
  • Mobile Banking
  • VISA Debit Card Available
*You may choose to receive a monthly paper statement. Cost is $4 per month.
Classic checking is perfect if you are an active check writer. The monthly service charge of $10 is waived with a minimum balance of $500, an average balance of $1,500, or a combined deposit relationship of $15,000.
 
Features include:
  • Open with as little as $100
  • $500 Bounce Protection
  • Unlimited check writing
  • Easy to read Image Statement
  • E-Statement Available
  • Internet Banking
  • Bill Payment Services
  • Mobile Banking
  • VISA Debit Card Available
If you are 50 or older, this is the best account around! The monthly service charge of $12 is waived with a $100 minimum balance or a combined deposit relationship of $15,000 or over. Features include all the benefits of Premiere Checking.
The perfect package or “club” account! The monthly service charge of $12 is waived with a combined deposit relationship of $15,000 or over.
 
Features include:
  • Open with as little as $100
  • $500 Bounce Protection
  • No minimum balance requirement
  • Unlimited check writing
  • Easy to read Image Statement
  • E-Statement Available
  • Internet Banking
  • Bill Payment Services
  • Mobile Banking
  • VISA Debit Card Available
  • Complimentary BOC Wallet Style Checks
  • Interest on qualifying balances
  • Cashier’s Checks
  • No BOC fee for foreign ATM transactions.
Interest Checking keeps your money available for immediate and unlimited access while earning interest. The higher the balance, the higher the interest rate. The monthly service charge of $10 is waived with a $1,500 minimum balance, a $2,500 average balance or a combined deposit relationship of $15,000 or over.
 
Features include:
  • Open with as little as $100
  • $1,000 Bounce Protection
  • Unlimited check writing
  • Easy to read Image Statement
  • E-Statement Available
  • Internet Banking
  • Bill Payment Services
  • Mobile Banking
  • VISA Debit Card Available
  • Interest on qualifying balances
You will be charged a $30 Bounce Protection Fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft/Bounce protection and the fees may be imposed on transactions such as in person withdrawals, by check, recurring debit card transactions, or other electronic means. Additionally, ATM withdrawals and one time debit card transactions are covered if you choose to opt in to this service for those transactions. You should repay your overdraft and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits or you have too many overdrafts.
 
 
 
 

Personal Checking Comparison Chart

 
Account/Service eChecking Classic Premiere Premiere Gold Interest
Minimum Opening Deposit $100 $100 $100 $100 $100
Minimum Daily Balance to Avoid Service Charge no minimum $500 or $1,500 Average Daily Balance N/A $100 $1,500
Monthly Service Charge* $0 $10 $12 $12 $10
Bounce Protection** $100 $500 $500 $500 $1,000
Restrictions N/A N/A N/A 50 years and
older
N/A
Unlimited Check Writing yes yes yes yes yes
Internet Banking yes yes yes yes yes
Bill Payment yes yes yes yes yes
Telephone Banking yes yes yes yes yes
E-Statements  Available yes yes yes yes yes
Mobile Banking yes yes yes yes yes
Visa ATM/Debit Card yes yes yes yes yes
Complimentary Checks (BOC Wallet Style) no no yes yes
Notary Service yes yes yes yes yes
Direct Deposit yes yes yes yes yes
Monthy Paper Statement no ($4) yes yes yes yes
Interest on
Qualifying Balances
no no yes yes yes
*All monthly service charges can be waived with a $15,000 combined deposit relationship. 
** You will be charged a $30 Bounce Protection Fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft/Bounce protection and the fees may be imposed on transactions such as in person withdrawals, by check, recurring debit card transactions, or other electronic means. Additionally, ATM withdrawals and one time debit card transactions are covered if you choose to opt in to this service for those transactions. You should repay your overdraft and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits or you have too many overdrafts.