Compare Checking Accounts

	Prime Time Checking	eChecking¹	Spirit Checking	NOW Checking	Personal Checking	Basic Checking
ATM/Debit Card	Free	Free	Free	Free	Free	Free
ATM Transactions	Surcharge Free²	Free at BCSB ATMs	Free at BCSB ATMs	Free at BCSB ATMs	Free at BCSB ATMs	Free at BCSB ATMs
Online Banking & Bill Pay Available 24 hours a day	Free	Free	Pricing based on balance³	Pricing based on balance³	Pricing based on balance³	Pricing based on balance³
Mobile Banking	Free	Free	Free	Free	Free	Free
Direct Deposit	yes	yes	yes	yes	yes	yes
Electronic Statements	Available	Required	Available	Available	Available	Available
Interest Bearing	Yes	No	Yes	Yes	No	No
Check Writing	unlimited	unlimited	unlimited	unlimited	unlimited	8 Checks free per cycle
BankLINE 24 Hour Automoated Telephone Banking	Yes	Yes	Yes	Yes	Yes	Yes
Minimum Daily Balance to Waive Monthly Maintenance Charge	$5,000 Combined Consumer deposit balance	$1,000 Requirement waived with either a valid student ID (ages 16-24) or direct deposit of paycheck or social security benefits	$2,500	$400	$200	Not applicable
Monthly Maintenance Charge⁴ If minimum daily balance is not maintained.	$15	$10	$5	$5	$5	$2.50 (monthly maintenance charge is not affected by balance)
Overdraft Protection (available upon approval)	Yes	Yes	Yes	Yes	Yes	Yes
Discounted Consumer Loans⁵	Yes	Yes	Yes	Yes	Yes	Yes

If you would like to stop by a branch and speak with someone, please click here for all of our office locations and banking hours.

1 Check writing capability as well as the bill pay feature of online banking is not available with this account or any other Bristol County Savings Bank checking unless all owners are 18 years of age or older.
2 We won’t charge ATM fees to any Prime Time checking accounts. Surcharge free access for Prime Time Checking accounts at all Bristol County Savings Bank, Bank of America and SUM ATMs. Transactions at machines not owned by us or BOA or ATMs not displaying the SUM logo may result in a surcharge assessed by the institution where the transaction takes place.
3 See fee schedule for pricing details.
4 The monthly maintenance charge on one personal checking (NOW, eChecking, Personal or Basic) and one regular savings account will be waived for persons 18 years of age or under or 65 years of age or older, subject to notification.
5 ½% discount on Bristol County Savings Bank consumer loans with automatic payment from any Bristol County Savings Bank Checking account. Offer does not include home equity loan products or passbook secured loans.

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