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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. Balance Requirement

Earn Interest?

Free Checks?

Special Features

       BSB Free Checking          $100 -- $750+ Welcome Pack (Wallet or Duplicate)
       Heritage Checking           $100 -- $500+
Custom Wallet Age 55+
BSB Free Student Checking  $50 -- $750+ Welcome Pack (Wallet or Duplicate) 1st 4 Non-BSB ATM Fees Refunded/Mo
     BSB Interest+ Checking    $100 -- Tiered Rates No ATM Fee Refunds and Higher Rate if Qualifications are Met

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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
  • 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   Customer Favorite!

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 (see table below)
  • ATM fee refunds (nationwide) at the end of each month that qualifications are met

Qualification Criteria:

  • 15 debit card transactions per month - All transaction 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.
 
RATES AND TERMS
Balance APY*
Tier 1 - $0.01 - $25,000.00 1.00%
Tier 2 - $25,000.01 and greater 0.20%
Tier 3 - Base Rate (if qualifications are not met) 0.05%
*APY = Annual Percentage Yield. APY current as of 6/8/2021.
 
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. Variable rate account, rates are subject to change without notice.  Accounts are subject to approval. Fees could reduce earnings. Must meet certain requirements to attain the maximum interest rate.  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. See a Customer Service Representative for further information @ 1.877.653.8900.