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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. Look through our options below and you’ll find there’s something for everyone at BSB!


Opening Deposit Min. Bal. Requirement Earn Interest?
BSB Interest + Checking $100 $0 Yes
Heritage Checking  $100 $0
Interest paid on balances over $500
BSB Free Student Checking $50 $0
Interest paid on balances over $750
BSB Free Checking  $100 $0 Interest paid on balances over $750
The Interest+ Checking account:
 
  • Offers up to 4.00% APY*
  • Is risk-free with the ability to withdraw money at any time
  • And comes with incredible perks (see below)
Just by swiping your debit card, using online banking with eStatements, and having your paycheck directly deposited, you are already on your way to extra cash in your pocket.

You can finally earn a higher interest doing the things you already do. In fact, that’s one of the many reasons why this checking account is a customer favorite…

Reasons To Love Interest + Checking:
 
  • No minimum balance requirement
  • Unlimited transactions with no per check fee
  • $100 opening deposit required
  • Bounce protection
  • Tiered balance interest earnings
  • ATM fee refunds (nationwide) at the end of each month that qualifications are met

    RATES AND TERMS 
    Balance  APY*
    Tier 1 - $0.01 - $25,000.00
    4.00%
    Tier 2 - $25,000.01 and greater  0.50%
    Tier 3 Base Rate (if qualifications are not met)
    0.05%
    *APY = Annual Percentage Yield. APY current as of 3/10/2023. Variable rate account, rates are subject to change without notice.
    This account is for consumers only (no EIN numbers). Only one account per social security number. May switch existing accounts using same account number. ATM fees refunded at end of cycle. Customer may see ATM fees on account until end of month settlement. Interest compounded monthly at cycle time. Interest calculated by daily balance method.
     
    The content of this graph is informational only. Accounts are subject to approval. Fees may reduce earnings. Must meet certain requirements to attain the maximum interest rate.  A withdrawal will reduce earnings. The terms of the accounts, including any fees or features, may change. Other terms and conditions apply.  Please refer to the Deposit Account agreement and additional services and fees for the terms and conditions associated with these products. Bank rules and regulations apply. Contact a Customer Service Representative for further information @ 1.877.653.8900.
Qualifications
 
  • 15 debit card transactions per month - All transactions must post and settle before the last day of the month.
  • Online Banking & eStatement Enrollment - These FREE and convenient services are required for this account.
  • ONE 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 all of the qualifications, you will not receive the higher interest rate or ATM refunds for that month. 
If you are 55+, we know you've worked hard for every single penny. And our Heritage Checking account is designed to provide you 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
  • $100 opening deposit required
  • Bounce protection
  • Interest paid on balances over $500
  • Free custom wallet checks provided
  • Images of checks available
  • ATM/Debit Card
  • Free online banking with bill pay and eStatements
  • Free mobile banking featuring mobile deposit
  • Free telephone banking
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.  

  • No minimum balance requirement
  • Unlimited transactions with no per check fee
  • $50 opening deposit required
  • Interest paid on balances over $750
  • 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
  • No BSB ATM fees; First four non-BSB ATM fees refunded every month
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
  • $100 opening deposit required
  • Bounce protection
  • Interest paid on balances over $750
  • 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
Personal Accounts
  • Name
  • Date of Birth
  • Address (physical and mailing if different)
  • Social Security Number
Primary Documentation
  • Valid Unexpired Government Issued Photo ID (if no Valid
    Photo ID available see "Secondary Documentation")
    - Driver’s License
    - State ID
    - Passport
    - Military ID You cannot make a copy of a military ID, only
    document the ID #, type, issue and expiration dates.
  • Proof of Address (if not current on ID)
    - Rental / Tenant agreement
    - Utility Bill
    - Bank Statement / Official Bank Document
    - CURRENT BMV Vehicle Registration
    - Property Tax Bill
    - GIS Printout verifying Deeded Owner
Secondary Documentation (No Primary Documentation Available)
  • Joint Account with Guardian – two of the following:
    - Social Security Card
    - Birth Certificate
    - School ID
  • TWO of the following:
    - Non-photo Government ID
    - Insurance Card (w/ name embedded)
     Medicare Card
     Medicaid Card
     Hoosier Rx Card
     Any other valid health insurance card
    - Indiana BMV Registration (IN ONLY)
    - US Divorce Decree certified by court w/ stamp &
    seal
    - Marriage license certified by court with stamp &
    seal
    - Major Credit / Debit Card w/ Embossed name
    (Non-Expired)
    - Letter from Bishop
Minor
  • Joint Account with Guardian – two of the following:
    - Social Security Card
    - Birth Certificate
    - School ID
Non-US Citizen
  • Additional types of acceptable ID include:
    - Green Card - Permanent Resident Card
    - Passport
    - Work or Student Visa
  • If non-resident alien, we need to complete a W-8 and
    completed Non-Resident Alien Worksheet