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.

PRIME TIME™ Checking Account

An account that compliments your lifestyle.

Our premier relationship checking account offers the most benefits including our highest rate of interest.

Open An Account

eChecking Account

Go lean & green.

Our digital checking account is economical and convenient with paperless eStatements. We also waive maintenance fees for accounts with direct deposit and students 16-24.

Open An Account

Access Checking Account

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

With 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 checking 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.

Open In Branch

NOW Checking Account

Earn more for less.

Earn interest while maintaining a low minimum balance.

Open An Account

Find the checking account that works for you.

Anchor Cell	PRIME TIME Checking Account Relationship account with the most benefits. Open An Account	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. Open An Account	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 07/02/2025

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 Account^1,2	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*:

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