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Checking Accounts

Make your money work for you.  At Bippus State Bank we offer a variety of checking account products to make it easier to do what you need and want to do.  If you’re looking for a checking account that pays you extra interest for simply doing the things you already do, we’ve got you covered.  If you want it straight-forward and simple, we’ve got that too.  We also cater to the needs of different generations with our BSB Free Student Checking and Heritage Checking accounts. There’s something for everyone at BSB!
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Opening Deposit Min. Bal. Requirement Earn Interest? Free Checks? Special Features
BSB Free Checking $100 None Bal. Over $750 Welcome Pack (Wallet or Duplicate) N/A
Heritage Checking $100 None Bal. Over $500 Custom Wallet Age 55+
BSB Free Student Checking $50 None Bal. Over $750 Welcome Pack (Wallet or Duplicate) 1st 4 Non-BSB ATM Fees Refunded/Mo
BSB Interest+ Checking $100 None Tiered Rates No ATM Refunds and Higher Rate if Qualifications are Met
Prestige Checking $20,000 $20,000 Tiered Rates Custom Wallet N/A
Money Market $25,000 $25,000 Tiered Rates Custom Wallet Limited to 6 Withdrawals/Mo
 
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BSB Free Checking

Straight-forward and simple, our BSB Free Checking account is... well, free!  With features like no minimum balance requirement, unlimited transactions, and bounce protection, BSB Free Checking is a smart option for anyone looking for a cut and dry account.  It's easy to use and designed to give you more time to worry about the things that really matter, like coffee!

  • No minimum balance requirement
  • Unlimited transactions with no per check fee
  • Interest paid on balances over $750
  • $100 opening deposit required
  • Free Welcome Pack of wallet or duplicate checks
  • Bounce protection
  • Images of checks available
  • ATM/Debit Card
  • Free online banking with bill pay and eStatements
  • Free mobile banking featuring mobile deposit
  • Free telephone banking

Heritage Checking

If you’re age 55 or older, we know you've worked hard for every single penny.  Why not put your money in an account made especially for you?  Our Heritage Checking account provides all of the things that you want the most; no minimum balance requirement, free custom checks, and interest on balances over $500.  It's time for you to claim seniority and be rewarded... after all, you've earned it.

  • No minimum balance requirement
  • Unlimited transaction with no per check fee
  • Interest paid on balances over $500
  • $100 opening deposit required
  • Free custom wallet checks provided
  • Bounce protection
  • Images of checks available
  • ATM/Debit Card
  • Free online banking with bill pay and eStatements
  • Free mobile banking featuring mobile deposit
  • Free telephone banking

BSB Free Student Checking

You know what a lot of college students have in common?  They don’t go to school near their home. With our BSB Free Student Checking account, you get refunds on your first 4 non-BSB ATM fees each month, allowing you to use your campus ATM with no worries.  We also throw in a sweet BSB t-shirt (ya know, for when you can't find enough quarters to do laundry)! 

  • No BSB ATM fees; First four non-BSB ATM fees refunded every month
  • Free t-shirt (while quantities last)
  • No minimum balance requirement
  • Unlimited transactions with no per check fee
  • Interest paid on balances over $750
  • $50 opening deposit required
  • Free Welcome Pack of wallet or duplicate checks
  • Images of checks available
  • ATM/Debit Card
  • Free online banking with bill pay and eStatements
  • Free mobile banking featuring mobile deposit
  • Free telephone banking

BSB Interest + Checking

Didn't think you could earn interest on a checking account?  Well, you can!  With BSB Interest + Checking, you can earn interest by simply doing the things you already do.  By swiping your debit card, using online banking with eStatements, and having your paycheck direct deposited, you are already on your way to extra cash in your pocket.

  • No minimum balance requirement
  • Unlimited transactions with no per check fee
  • $100 opening deposit required
  • Bounce protection
  • Tiered balance interest earnings
    • Tier 1 - $0 to $25,000
    • Tier  2 - $25,000.01 and greater
    • Tier 3 - If qualifications are not met
  • ATM fee refunds (nationwide) at the end of each month that qualifications are met
Qualification Criteria:

  • 15 debit card purchases per month - All transaction must post and settle before the last day of the month.
  • Online Banking & eStatements - These FREE and convenient services are required for this account.
  • 1 direct deposit per month - Set up a direct deposit, such as your payroll or Social Security, to automatically be deposited each month.
If you do not meet any one of the qualifications, you will not receive the higher interest rate or ATM refunds for that month.

Prestige Checking

Higher balances should be rewarded.  And with our Prestige Checking account, they are.  Earn extra interest on your balances based on the tiered categories below. 

  • Tiered balance interest earnings:
    • Tier 1 - $0 to $9,999.99
    • Tier 2 - $10,000 to $19,999.99
    • Tier 3 - $20,000 to $49,999.99
    • Tier 4 - $50,000 to $74,999.99
    • Tier 5 - $75,000 to $99,999.99
    • Tier 6 - $100,000 to $249,999.99
    • Tier 7 - $250,000 and greater
  • Interest compounded monthly
  • Minimum balance fee for balances below $20,000 on any day of the month is $5 for that month
  • Free custom wallet checks provided
  • Bounce protection
  • Images of checks available
  • ATM/Debit Card
  • Free online banking with bill pay and eStatements
  • Free mobile banking featuring mobile deposit
  • Free telephone banking

Money Market

Looking for a flexible account that allows you to earn interest at a higher rate, but still allows you the luxury of accessing it in a pinch?  Look no further than our Money Market account.  Based on the tiers below your money will earn extra interest without being locked up in a long-term account.

  • Tiered balance interest earnings:
    • Tier 1 - $0 to $9,999.99
    • Tier 2 - $10,000 to $24,999.99
    • Tier 3 - $25,000 to $49,999.99
    • Tier 4 - $50,000 to $74,999.99
    • Tier 5 - $75,000 to $99,999.99
    • Tier 6 - $100,000 to $249,999.99
    • Tier 7 - $250,000 and greater
  • Interest compounded monthly
  • Limited to six withdrawals per month
  • Minimum balance fee for balances below $25,000 on any day of the month is $20 for that month
  • Free custom wallet checks provided
  • Free online banking with bill pay and eStatements
  • Free mobile banking featuring mobile deposit
  • Free telephone banking