Personal Checking Accounts
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All personal checking accounts require a minimum $25 deposit to open.
| Edge Checking* | E-Choice Checking | Simple Checking | Preferred Checking | Health Savings Account | |
|---|---|---|---|---|---|
| Monthly service charge | $10 monthly paper statement fee | $6 | n/a | $8 | n/a |
| Avoid monthly service charge | Sign up for eStatements | Sign up for eStatements | n/a | $500 average daily balance, or $50,000 in consumer deposits, or consumer loans of $100,000+ | n/a |
| Earns interest | No | Yes, tiered rate** | No | Yes, tiered rate | Yes, tiered rate |
| Debit/ATM card | Yes, no checks available | Yes | Yes | Yes | Yes |
| Check images received | n/a | Yes | No | Yes | No |
| Overdraft Protection available*** | n/a | Yes, $500 limit | Yes, $500 limit | Yes, $800 limit | n/a |
* $1 fee for over-the-counter withdrawals.
*** Option to opt-in for discretionary Overdraft Protection once qualifications are met; a welcome letter will then be sent explaining the program.
**Each month, qualify to earn a premium interest rate on the first $10,000 and up to $25 in non-BHBT/LSB ATM fee refunds when all monthly qualifiers are met:
- Use your debit card for at least 12 purchases (excludes pending and ATM transactions), and
- Have at least one electronic (ACH) credit or debit on the account, and
- Access Online Banking at least once during the statement cycle, and
- Sign up and remain enrolled in eStatements.
NOTE: See Deposit Account Agreement and Deposit Accounts Fee Schedule for additional fees and conditions.