Compare Our Accounts

Planning for Your Future

The information below can help you compare account fees, features, and benefits to find the best checking account. All of our checking accounts come equipped with the value-added features of our eBanking package.

Compare Checking Accounts

Green Owl Checking

Straightforward, eco-friendly checking
Waive the monthly maintenance fee by enrolling in eStatements
No minimum balance requirements

More About Green Owl Checking

Gold Owl Checking

Available exclusively to account holders age 55 or better
Boost your balance with competitive interest
No monthly maintenance fee

More About Gold Owl Checking

BSB Club Checking

All-inclusive checking features numerous benefits
Available as an upgrade for various checking accounts
Low $6.95 monthly maintenance fee

More About BSB Club Checking

Freedom Checking

Available exclusively to account holders who are current or former US military members
Boost your balance with competitive interest
No monthly maintenance fee

More About Freedom Checking

Premium Checking

Competitive, tiered rates¹
Avoid the monthly maintenance fee by maintaining the minimum daily balance
Unlimited check writing

More About Premium Checking

Spirit Student Checking

Support your local schools
Perfect first checking account
No monthly maintenance fee¹

More About Spirit Student Checking

Digital

It's easy to open an account online

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Green Owl Checking

Get everything you need in an account (like unlimited checking) while reducing what you don’t want (paper waste).

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Key Features

Online Banking with Bill pay

Mobile Banking with Deposit

eStatements

Contactless Debit Card

Green Owl Checking Details

Straightforward, eco-friendly checking
Waive the $5 monthly statement fee by enrolling in free eStatements
No minimum balance requirements
Unlimited check writing
Enroll in BSB Club for added benefits*
Free digital banking
Free Contactless Debit Card
$50 minimum deposit to open

*Additional monthly membership fee applies.

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Gold Owl Checking

If you like your senior discount around town, you’ll love this no-fee account with a cherry on top — competitive interest.

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Key Features

Online Banking with Bill pay

Mobile Banking with Deposit

eStatements

Contactless Debit Card

Gold Owl Checking Details

Available exclusively to account holders age 55 or better
Boost your balance with competitive interest
No monthly maintenance fee
No minimum balance requirements
Unlimited check writing
Enroll in BSB Club for added benefits*
Free digital banking
Free EMV debit card
$50 minimum deposit to open

*Additional monthly membership fee applies.

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BSB Club Checking

Save hundreds of dollars a year with the many added benefits from this account, like mobile phone coverage and ID theft protection.

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Key Features

Online Banking with Bill pay

Mobile Banking with Deposit

eStatements

Contactless Debit Card

BSB Club Checking Details

All-inclusive checking features a wide assortment of benefits
Available as an upgrade for our other checking accounts
Low $6.95 monthly membership fee (additional options for more AD&D coverage)
No minimum balance requirements
Unlimited check writing
Free digital banking
Free EMV debit card
$50 minimum deposit to open

Identity Theft Protection

You can rest easy knowing that you and your joint account holders are protected by our comprehensive IDProtect™ service1, which includes:

Identity Theft Expense Reimbursement Coverage
Comprehensive Identity Theft Resolution Services
Debit and Credit Card Registration
3-in-1 Credit File Monitoring
3-in-1 Credit Report
Total Identity Monitoring
IDProtect Identity Theft Protection requires separate enrollment.

1IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.

Mobile Phone Coverage

Are your mobile phones protected? In case of damage or theft, this service will reimburse the eligible account holder up to $300 per claim.¹

Coverage is automatic – there are no separate enrollment forms to fill out
Covers the first 3 lines listed on your cell phone bill
Limit of two (2) claims per 12-month period
Coverage is subject to $50 copay
Easy claims process

¹Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

More information

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Freedom Checking

As a thank you to our military veterans, this special account features ATM refunds, interest, plus other added perks — with no monthly fees.

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Key Features

Online Banking with Bill Pay

Mobile Banking with Deposit

eStatements

Contactless Debit Card

Freedom Checking Details

Available exclusively to account holders who are current or former US military members
Boost your balance with competitive interest
No monthly maintenance fee
No minimum balance requirements
Enjoy some additional perks:
Free checks or custom EMV debit card
50% off safe deposit box
Free money orders and cashier's checks
Unlimited check writing
Enroll in BSB Club for added benefits*
Free digital banking
Free EMV debit card
$50 minimum deposit to open

*Additional monthly membership fee applies.

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Premium Checking

Earn and save with this premium account — receive competitive, tiered rates while enjoying unlimited checking.

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Premium Checking Details

Competitive, tiered rates¹
- Higher rates on balances of $2,500 or more
Avoid the $8 monthly service charge by maintaining a $1,000 minimum daily balance
Unlimited check writing
Free checks
Enroll in BSB Club for added benefits*
Free digital banking
Free EMV debit card
$1,000 minimum deposit to open
¹Balances of $1,000-$2,499.99 = 0.05% APY; Balances of $2,500+ = 0.20% APY.

*Additional monthly membership fee applies.

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Spirit Student Checking

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Key Features

Online Banking with Bill Pay

Mobile Banking with Deposit

eStatements

EMV Debit Card

Spirit Student Checking Details

No monthly maintenance fee¹
No minimum balance requirements
Unlimited check writing
Free digital banking
Free EMV debit card
$1 minimum deposit to open

Available for Farmington R-VII, Bismarck R-V, Mineral Area College, Potosi R-III, North St. Francois County R-I, Central R-III, West County R-IV, Kingston K-14, and Valley R-VI.

View our school spirit debit card designs.

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