We provide answers for your financial needs -- so whether you want a high-interest rate account, one with variable rates, or a money market account, we'll make your financial life simple and easy to manage!
|Interest Bearing Checking Accounts|
|Smart Rate Checking3||Now Account4||Century Checking4|
|Monthly Service Charge||FREE||NONE if balance over $1,000; under $1,000, $10||NONE if balance over $2,500; under $2,500, $12|
|Transactions||Unlimited checkwriting; To earn Smart Rate each cycle:12 Debit Card POS transactions must post & clear; receive eStatement; access OnlineBanking once & allow one auto deposit or draft||Unlimited checkwriting: ATM accessible; Balance under $1000, $.15 per Debit||Unlimited Checkwriting; First order of B&K logo checks free|
|Interest||Variable interest compounded & paid monthly on avg collected balance. Criteria not met during statement cycle, then rate is lower1,2||Variable interest compounded on daily balance & paid monthly1,2||Variable tiered interest rate determined by avg daily collected balance; compounded & paid monthly on avg collected balance1,2|
|MasterCard Debit Card*||Free||$1 month||Free|
|Free Online Banking||YES||YES||YES|
|Free Online Bill Pay||YES||YES||YES|
|Monthly Paper Statement with check images||NO||YES||YES|
|Monthly eStatement with check images||YES||YES||YES|
|Safe Deposit Box||
3x5: $21*/$24; 5x5: $30*/$33; 3x10: $40*/$45; 5x10: $60*/$65; 10x10: $110*/$120
*Designates discount for automatic debit; Contents of boxes not FDIC insured
1Annual Percentage Yield and interest rate are available upon request. The APY and interest rate may change. Interest is calculated using the daily balance method.
2Interest compounds monthly and is credited to the account monthly.
3Available to customers in B&K market areas only.
4Available to Sole Proprietorships & Non-Profits.
Smart Rate Checking
You're only Smart if you have made the Smart choice to open a Smart Rate checking account. It pays really high interest. So ... show you're smart!
- Pay no fee --- it's FREE
- earn .602% APY on balances up to $30,000
- earn .15% APY on balances above $30,000
- 12 Point of Sale Debit MasterCard® transactions must post & clear by end of cycle
- receive eStatement
- access Online Banking once during cycle
- allow one automatic deposit or debit during cycle
Annual Percentage Yield (APY). Personal Accounts only; No minimum balance. No monthly fees. Balances of $30,000 or less earn .602% APY. Balances over $30,000 earn .15% APY. To earn Smart Rate per statement cycle, requirements are:12 Debit MasterCard® transactions (at Point of Sale; ATM transactions not included) in time to post & clear by end of cycle; accept eStatement; access online banking; allow one automatic credit(ACH) or debit. After the first statement cycle, if all requirements are not met, entire balance earns .01% APY. Rates may change without notice. Fees could reduce earnings on account. Overdrafts could result in fees. The annual percentage yield is effective as of today's date. Account available in B&K market areas only.
A variable rate account, this interest bearing account is Fee Free and allows unlimited checkwriting with a daily balance of $1000.
Our variable rate account with interest tiers reward you for higher balances. It's Fee Free with a daily balance of $2500.