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The perfect account for...  those desiring the ultimate in security, features, and value!

    • For customers aged 22 & under: none (waived)
    • For customers aged 23+: $3.95
  • INTEREST: n/a
  • STATEMENTS:  electronic statements included; optional paper statements available for $3.00/month
  • Personal accounts only
  • FDIC insured up to the maximum legal limits

Includes all of these great VIP BENEFITS!:

  • IDProtect®: Identity theft and monitoring service1
    • 3-in-1 Credit File Monitoring2 - IDProtect will monitor your Equifax, Experian, and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required)
    • 3-in-1 Credit Report - Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (Registration/activation required)
    • Identity Monitoring - Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified. (Registration/activation required)
    • Comprehensive Identity Theft Resolution Services - Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
    • Debit and Credit Card Registration - Register your credit, debit, and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required)
    • Identity Theft Reimbursement Coverage3 - Receive up to $20,000 to help pay expenses, clear your name, & restore your identity should you become a victim of identity theft.
    • Online Identity Theft News Center plus valuable phone and web resources. (Registration/activation required)
  • Cellular Telephone Protection3 - Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on cellular telephone bill paid through your checking account.
  • Accidental Death and Dismemberment Insurance3 - Receive up to $10,000 of 24-hour Accidental Death and Dismemberment Insurance. Coverage divides equally on joint accounts and reduces by 50% at age 70.
  • VIP Concierge Service - Receive access to “911” travel emergency assistance service. Get personal assistance with last-minute or emergency travel and flight changes, lost luggage/passport/travel documents, restaurant/theatre/sporting event reservations and even pre-trip travel advice, plus a multitude of other concierge and emergency travel services. All costs to secure requests are the responsibility of the customer.
  • MyScoreBuilder®4 - We help you build a better credit score by reviewing your credit report & score. Print out your credit file, make an appointment with a MyScoreBuilder® Representative, and start down the path to a better credit score.

Also includes:

  • ATM REFUNDS: $20 maximum per cycle when all receipts are grouped together and brought to bank within 60 days of end of applicable cycle
  • 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 $40 for you and $40 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


1 IDProtect is a personal identity theft protection service available to personal checking account owners, their joint account owners, and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service is not available to employees or authorized signers who are not owners). Service is not available to clubs, organizations, and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (fiduciary is not covered). Family includes: spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder, all of whom are residents of the same household.

2 Credit file monitoring may take several days to begin following activation.

3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

4 For educational purposes only.