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Personal Checking Accounts

Whether you are looking for a relationship checking account or a digital account, Bristol County Savings Bank's checking account options provide the flexibility and convenience you need to manage your finances in Massachusetts and Rhode Island.

Find the checking account that works for you.

Anchor Cell

PRIME TIME Checking Account

Relationship account with the most benefits.

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eChecking Account

Simple checking that works great for everyone.

Open An Account

NOW Checking Account

An interest earning account with a low minimum balance requirement.

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Access Checking Account

A safe and affordable checking account designed to avoid overdraft and related fees.4

Open In Branch

Minimum Daily Balance

(To waive monthly maintenance fee)

$5,000 

Daily combined consumer deposit account balances1

$1,000

(Waived with valid student ID or direct deposit)2

$400

None

Monthly Maintenance Fee

$15 $10 $5 $0

ATM Access

(using your Debit MasterCard© or ATM Card)

Free at BCSB, Allpoint & Bank of America ATMs3 Free at BCSB & Allpoint ATMs Free at BCSB & Allpoint ATMs Free at BCSB & Allpoint ATMs

eStatements

Free eStatements

 

Free eStatements

$1 paper statements

Free eStatements

 

Free eStatements

 

Interest Earning

Yes (Tiered)

No

Yes

No

1Combined consumer deposit balance includes checking accounts, savings, money markets, CDs and IRAs. 2 Waived with either a valid student ID (ages 16-24) or direct deposit of paycheck or social security benefits. 3We won’t charge ATM fees to any PRIME TIME checking accounts, with the exception of international transactions. Surcharge free access for PRIME TIME Checking accounts at all Bristol County Savings Bank, Bank of America and Allpoint ATMs. Transactions at machines not owned by us or BOA, or ATMs not displaying to Allpoint logo, may result in a surcharge assessed by the institution where the transaction takes place.
4With Access Checking, transactions that cause overdrafts will generally be declined or returned unpaid.  While this account is designed to prevent overdrafts, there may be times when the account could have a negative balance.  This could happen if a purchase made is approved for one amount but the final charge is more than the available balance.

Checking Account Interest Rates

Rates effective as of 12/04/2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Daily Balance Required to earn advertised APY
PRIME TIME Checking 1,2 0.05%
0.03%
0.05%
0.03%
$2,500 & up
$ 0.01 ‑ $2,499.99
NOW Account1,2 0.03% 0.03% $0.01
1 The minimum opening deposit for these accounts is $10.00.
2 The rate on these accounts may change after the account is opened.
Fees could reduce the earnings on all accounts listed above.

Available features include*:

online banking iconmobile banking iconestatements iconbill pay iconoverdraft protection iconquicken compatibility icon

*Bill pay users must be 18 years of age and over. Overdraft protection is not available for Access Checking.