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This is the account that sets BOB apart from most banks: a free "rewards" checking account (with "cd-level" interest and free ATMs nationwide when qualified) that is perfect for those who can meet monthly qualifications

  • When monthly qualifications are met, this account earns premium rewards: "CD-level" interest on the first $15,000 of balance in the account, a great rate of interest on the portion of balance over $15,000, plus a refund of all ATMs fees nationwide that month!
  • When monthly qualifications are not met, this account earns base rewards: a basic rate of interest on the entire account balance and no ATM refunds; but there are still no penalties or fees and each new monthly cycle is a fresh start to try and qualify!
  • Monthly qualifications:
    1. sign up to receive electronic statements as paper statements are not an option with this account (enroll once upon opening account then it will not be necessary to repeat this qualification each month)
    2. have at least one direct deposit or ACH auto-debit post and clear on the account during the monthly qualification cycle (it is possible to set up a recurring ACH debit, which would then make it unnecessary to repeat this qualification each month)
    3. have at least 10 net debit card purchase transactions post and clear on the account during the monthly qualification cycle
  • Takes just $100 to open this account
  • No minimum balance requirement thereafter
  • Interest is paid monthly using the daily balance computation method and varies according to the following tier levels (click here to see Current Rates):
    • Portion of balance from $0 - $15,000.00
    • Portion of balance from $15,000.01 and over
  • Personal accounts only
  • Companion Ultimate Saver account also available for additional rewards on your savings
  • FREE account (no monthly fees)
  • FREE online banking available with this account
  • FREE online bill-pay available with this account
  • FREE mobile banking services available with this account
  • FREE 24-hour Touch Tone Teller available with this account
  • FREE ATM/debit card provided with this account
  • FREE monthly electronic statements with this account (no paper statements)
  • FDIC insured up to the maximum legal limits
  • For more great information, check out our multi-media microsite: www.UltimateBankAccounts.com
  • Important note: enrollment in electronic statements requires an active online banking login; for security purposes, customers must access online banking at least once each 180 days to avoid deactivation, which would also deactivate electronic statement and jeopardize qualification for premium rewards'

(View Ultimate Bank Accounts brochure [PDF])

(View Personal Products & Services brochure [PDF])