Personal Checking Accounts

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All personal checking accounts require a minimum $25 deposit to open.

* $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:

  1. Use your debit card for at least 12 purchases (excludes pending and ATM transactions), and
  2. Have at least one electronic (ACH) credit or debit on the account, and
  3. Access Online Banking at least once during the statement cycle, and
  4. Sign up and remain enrolled in eStatements.

NOTE: See Deposit Account Agreement and Deposit Accounts Fee Schedule for additional fees and conditions.