Checking Accounts Tailored to Your Needs
BSNB’s checking accounts are designed around your goals. Not sure which account to choose? Visit any of our branches where our relationship managers are ready to help you select the best fit for you.
Checking Account Options
Premier Checking
- Monthly Maintenance Fee – $15 if combined balances on eligible accounts is not maintained.
- Ways to Avoid Monthly Maintenance Fee – Maintain combined balances on eligible accounts of $20,000 or more.1
| Allpoint ATM Network 2 | Yes |
| ATM Fee Rebate or Waiver | BSNB’s fee to use a non- Allpoint ATM is waived & up to 4 non-Allpoint ATM foreign operator fees rebated each statement cycle3 |
| Online and Mobile Banking | Yes |
| Online Bill Pay4 | Available |
| Debit Card With Card Suite Lite5 | Yes |
| eStatement | Available |
| Unlimited Check Writing | Yes |
| Minimum to Open | $50 |
| Earns Interest | Interest Earned – Interest is earned if the average daily collected balance for the statement period is $500 or more. Check out our current rates |
Freedom Checking
- Monthly Maintenance Fee – None.
- Interest Earned – To earn interest, eStatements, 10 monthly point of sale (debit card) transactions, and a monthly direct deposit are required.
| Allpoint ATM Network2 | Yes |
| ATM Fee Rebate or Waiver | BSNB’s fee to use a non- Allpoint ATM is waived & up to 4 non-Allpoint ATM foreign operator fees rebated each statement cycle3 |
| Online & Mobile Banking | Yes |
| Online Bill Pay4 | Available |
| Debit Card with Card Suite Lite5 | Yes |
| eStatements | Required |
| Unlimited Check Writing | Yes |
| Minimum to Open | $50 |
| Earns Interest | Yes 6 |
Freedom 55 Checking
- Monthly Maintenance Fee – None
- Interest Earned – No
| Allpoint ATM Network2 | Yes |
| ATM Fee Rebate or Waiver | BSNB’s fee to use a non- Allpoint ATM is waived & up to 4 non-Allpoint ATM foreign operator fees rebated each statement cycle3 |
| Online & Mobile Banking | Yes |
| Online Bill Pay4 | Available |
| Debit Card with Card Suite Lite5 | Yes |
| eStatements | Available |
| Unlimited Check Writing | Yes |
| Minimum to Open | $50 |
| Earns Interest | No |
Smart Start Checking
- Monthly Maintenance Fee – None
- Interest Earned – None
| Allpoint ATM Network2 | Yes |
| ATM Fee Rebate or Waiver | BSNB’s fee to use a non- Allpoint ATM is waived & up to 4 non-Allpoint ATM foreign operator fees rebated each statement cycle3 |
| Online & Mobile Banking | Yes |
| Online Bill Pay4 | Available |
| Debit Card with Card Suite Lite5 | Yes |
| eStatements | Required, $3/month for paper statements |
| Unlimited Check Writing | Yes |
| Minimum to Open | $50 |
| Earns Interest | No |
Basic Checking
- Monthly Maintenance Fee – $3
- Ways to Avoid Monthly Maintenance Fee – Average daily balance of $250 for the statement cycle.
- Interest Earned – No
| Allpoint ATM Network2 | Yes |
| ATM Fee Rebate or Waiver Online & Mobile | BSNB’s fee to use a non-Allpoint ATM is waived3 |
| Online & Mobile Banking | Yes |
| Online Bill Pay4 | Available |
| Debit Card with Card Suite Lite5 | Yes |
| eStatements | Available |
| Unlimited Check Writing | Yes |
| Minimum to Open | $50 |
| Earns Interest | No |
Free Direct Checking
- Monthly Maintenance Fee – $0 if monthly direct deposit is discontinued.
- Interest Earned – No
| Allpoint ATM Network2 | Yes |
| ATM Fee Rebate or Waiver | BSNB’s fee to use a non-Allpoint ATM is waived3 |
| Online & Mobile Banking | Yes |
| Online Bill Pay4 | Available |
| Debit Card with Card Suite Lite5 | Yes |
| eStatements | Available |
| Unlimited Check Writing | Yes |
| Minimum to Open | $50 |
| Earns Interest | No |
Debit Cards
Secure Payments, Anywhere
Your BSNB Debit Mastercard® gives you fast, secure access to your money – whether you’re shopping in-store, online, or on the go.
- Accepted worldwide wherever Mastercard® is accepted.
- Real-time transaction monitoring.
- Easy to use contactless tap-to-pay.
- Zero liability protection against unauthorized transactions.
Lost Or Stolen Cards
Secure Your Account
Your BSNB Debit Mastercard® comes with top-tier protection. Act quickly, and we’ll help lock down your account and restore your peace of mind.
- During business hours, call (518) 885-6781
- Outside of business hours, call (800) 500-1044
premier plan relationship rewards
Benefits That Go Beyond
When your combined balance of qualifying deposit accounts totals $20,000 or more, there is no monthly fee on your Premier Checking account, and you gain even more benefits from BSNB.*
veteran appreciation package
Thank You for Your Service
We appreciate and want to honor veterans. Earn $250 when you open a new qualified BSNB checking account and meet specific requirements!
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Everyday Banking Made Easy
Digital Banking
Accomplish a variety of your everyday banking tasks using your mobile device or tablet.
Refer a Friend
Refer a friend and earn $50 when they open a personal checking account.
Gift & Travel Cards
The gift that works for everyone, every occasion. Purchase at your local branch.
Frequently Asked Questions
BSNB offers checking options for different needs, whether you want digital convenience, relationship benefits, or simple everyday banking. You can compare account features online or contact our team for guidance.
BSNB issues a Debit Mastercard©, which is accepted worldwide wherever Mastercard is accepted, including in-store, online, and for contactless tap-to-pay purchases. The card includes protection against unauthorized transactions and supports real-time transaction monitoring with the Card Suite Lite mobile app so customers can track activity as it happens.
You can open a personal checking account at BSNB by visiting one of BSNB’s local branch locations. A minimum opening deposit is required. BSNB also assigns customers a Relationship Manager who can help identify the right account type based on your financial goals and banking habits.
BSNB customers have free access to the Allpoint nationwide ATM network. For certain account types, BSNB’s own fee for using a non-Allpoint ATM is waived. BSNB branch and ATM locations can be found using the locator on the BSNB website.
Yes. BSNB’s Refer a Friend program pays you $50 when a person you refer opens a new personal checking account. This bonus applies when the referred individual meets the program’s qualifying requirements. Learn more.
Veterans receive $250 when they open a new checking account. You will also receive discounts on auto and commercial loans. To qualify for the $250 reward, you must open a new Free Direct Checking, GO Checking or Premier Checking account and receive monthly direct deposits in the amount of $500 or more for at least 3 consecutive months. The initial direct deposit must occur within 60 days of account opening. Account must be open and in good standing to receive the cash reward. Cash reward paid within 30 days of meeting the direct deposit requirement. All cash awards may be subject to 1099 tax reporting. This offer does not apply to second or multiple checking accounts within the same household or for customers who have closed a checking account within the last 365 days. This limited time offer may be withdrawn or changed at any time. All standard account requirements apply. Additional conditions may apply. Employees of BSNB are not eligible. A .25% rate discount will be applied on auto and consumer loans. An additional .25% discount will be applied for signing up for automatic payment on auto and consumer loans from a BSNB account. Fee waived up to $500 on a commercial loan. Loans subject to application and approval.
To purchase a gift or travel card, visit any BSNB location.
Yes, you can use your savings balance to cover accidental overdrafts in your checking account*. Transfers will occur automatically in increments of $25, provided you have sufficient funds in your savings account. A flat transfer fee of $5.00 will be charged for each transfer, regardless of amount.
*Savings Overdraft Transfer Service is subject to transaction limitations as required by Federal Regulation D. Savings and Money Market withdrawals are limited to 6 pre-authorized electronic transactions. This includes any pre-authorized, automatic, telephonic or computer transactions to another account of yours with us and/or transfers or payments to a third party each monthly statement period. Withdrawals made in person or at an ATM are unlimited.
When your combined balance of qualifying deposit accounts totals $20,000 or more, there is no monthly fee on your Premier Checking account and you will receive these added benefits:*
- Preferred rate of interest on Premier CDs and the Premier Money Market Account.
- Interest on your Premier Checking balances and unlimited check writing.
- Discount of 0.25% on auto, boat, RV or personal loans when payment is automatically deducted from your Premier Checking Account.1
- Waived monthly fee on your Premier Checking account when you maintain the qualifying relationship balance.*
- Free access to Online and Mobile Banking services as well as Bill Pay2 and Mobile Check Deposit3.
- All BSNB ATM transaction fees waived on ATMs worldwide when you use your BSNB Debit MasterCard®.4 Cash withdrawals at BSNB and Allpoint ATMs are free of charge.
- Free investment planning consultation.5
- Waived purchase fee for one cashier’s check per month.
- Free small safe deposit box6 or 25% reduction on the annual rental fee for larger sizes.
- Free box of basic checks each year.
* A minimum of $20,000 in combined Personal Statement Savings, CD/IRA, Money Market, Checking and Holiday Club balances is required to avoid paying a monthly Maintenance Service Charge of $15. Refer to BSNB’s Premier Checking disclosure provided at account opening for minimum balance qualification, fees and charges and additional information related to Premier Plan services.
- Loans subject to application and approval.
- There is no monthly service fee for Bill Pay.
- Mobile check deposit may not be available to some users.
- The operator of a foreign ATM terminal may charge you a fee, however, BSNB will waive our foreign ATM fees.
- Investments are not FDIC insured.
- Small safe deposit box is subject to availability.
Savings Accounts
Whether you’re building an emergency fund, saving for something big, or just looking for a smarter place to park your money, BSNB has a savings account designed to work harder for you.
- Competitive interest rates on all savings accounts.
- Convenient digital access with online and mobile banking.
- Easy transfers between checking and savings accounts.
- FDIC-insured deposits for complete peace of mind.
Go Further With BSNB
Explore products and services that support you in every stage of life.
- Personal Statement Savings, CD/IRA, Money Market, Checking, and Holiday Club balances are eligible.
- Foreign operator and BSNB ATM fees are waived if using an Allpoint ATM terminal.
- The operator of the non-Allpoint ATM may charge a fee.
- Online Bill Pay for Basic checking is $4.95/month.
- An Apple or Android smartphone is required to use Card Suite Lite.
- To earn interest, estatements, 10 monthly point of sale (debit card) transactions, and a monthly direct deposit are required.
