The power to choose
You have financial needs, and we have you covered with four rewarding checking accounts that offer benefits like convenience, rewards, interest earnings and much more. Comparing checking accounts is simple with the table below, or contact one of our relationship bankers to help choose the best option for you!
Comparing checking accounts
| Student Rewards Checking | Freedom Checking Accounts | Rewards Checking Accounts | Elite Rewards Checking Accounts** | Independence Plus Checking Accounts** | |
|---|---|---|---|---|---|
| Description | Students age 13 to 24* earn points toward cash back or merchandise with no monthly service charge | Enjoy a simple checking account with no monthly service charges | Earn points to redeem toward merchandise, travel or cash back | Receive all the perks of a Rewards Checking Account — plus more | Earn interest, enjoy many perks and qualify for social outings (for those 55 and older) |
| Minimum Balance to Open | $25.00 | $100.00 | $100.00 | $100.00 | $100.00 |
| Monthly Service Charge | None | None | $7.50 | $15.00 | $7.50 |
| How to Avoid Monthly Service Charge | N/A | N/A |
Any 1 of the 5: Direct deposits (minimum of $250.00 cumulative per statement cycle) $1,000.00 in combined daily account balances Loan or line of credit (excludes Visa, Business and PRA) Combination of three bill payments or ACH debits posted to your account per statement cycle 24 years of age or younger |
Maintain a minimum daily balance of $1,000.00 Maintain at least $5,000.00 minimum daily balance in non-checking-related deposit accounts |
Maintain at least $2,500.00 minimum daily balance in non-checking-related deposit accounts |
| Requires eStatements |  |
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| Online Banking | |
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| Mobile Banking*** | |
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| Mastercard® Debit Card | |
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| uChoose Rewards® | |
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| Interest Earning | |
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| Personal Reserve Account (PRA) | |
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| Discount on New Trust Account | |
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| Discount on Safe Deposit Box | |
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| Free BOSP Specialty Style Checks | |
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| Free Money Orders and Cashier’s Checks | |
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| Invitations to Exclusive Events | |
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| Learn More | Student Rewards Checking | Freedom Checking | Rewards Checking | Elite Rewards Checking | Independence Plus Checking |
** All Interest Rates and Annual Percentage Yields (APY) are current as of this date but are subject to change at our discretion. The disclosed APY assumes that the interest will remain on deposit; interest withdrawals will affect APY. Bank uses the daily balance method to calculate the interest on your account. This method applies a daily rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Interest is compounded and credited monthly on your collected balance. These are variable rate accounts. The interest rate that corresponds to the amount on deposit is paid on the full balance.