In This Section

The perfect account for...  those desiring a traditional, no-frills, interest-bearing checking account.

  • MINIMUM DEPOSIT TO OPEN:  $1,500
  • MINIMUM BALANCE TO AVOID MONTHLY FEE:  $1,500
  • MONTHLY FEE:
    • For customers aged 59 & under: $3.95 (avoidable with a $1,500 average daily balance)
    • For customers aged 60+: none (waived)
  • INTEREST: variable rates of interest paid monthly using the daily balance computation method, according to the following "steps" (click here to see Current Rates):
    • Portion of balance from $1,500.00 - $3,999.99
    • Portion of balance from $4,000.00 - $7,999.99
    • Portion of balance from $8,000.00 and over
  • STATEMENTS:  choice of electronic statements or paper statements at no extra charge
  • Personal accounts only
  • FDIC insured up to the maximum legal limits

Also includes:

  • FREE ATM card or debit card with Purchase Rewards feature
  • FREE Banking Your Way:  Internet banking / online bill pay / mobile app banking with SnapCheck! mobile check deposit / text message banking / 24-hour Touch Tone Teller / free use of all BOB ATMs
  • FREE Account Matchup Service:  Upon customer request, bank will evaluate if current account is the most appropriate account for customer and make recommendations if warranted
  • REFER-A-FRIEND Benefit:  Earn $20 for you and $20 for your friend each time you send BOB another customer!  (Limit of 10 paid bonuses per person per year)
  • COURTESY OVERDRAFT Consideration:  Find out if you are eligible for this program designed to pay checks and electronic items that would otherwise be returned for insufficient funds