Personal Checking
Looking for checking the way it should be? At Bath Savings we offer personal checking at its best. You’ll find a number of great options – all with free online and mobile banking, and our no-fee debit card.
Plus we make it easy for you to switch to Bath Savings. Call 1-800-447-4559, email, or stop by your local branch to learn more.
Neighbor to Neighbor Personal Services
- $10 Neighbor to Neighbor Gift Certificate when you open a new account with a minimum deposit of $100 (Offer limited to one per new account)
- Online Banking and BillPay with eMessage alerts and Online Chat ($5 monthly fee for BillPay for some accounts, always free with eStatements)
- Free Mobile Banking with your Internet-ready phone
- ATM/MasterMoney™ Debit Card availability with no service fee at any BSI ATM
- Direct deposit, electronic fund transfer, automatic transfers from savings and automatic loan payments with no transfer fees
- Safe deposit boxes at our local offices (based on availability)
- Checking account for first mortgage customers with no monthly service charge
- Workplace Banking program for employees of Bath Savings business customers
eChecking NOW
Save fees — and trees
- No minimum deposit to open the account
- No minimum balance
- No monthly service charge
- Recycled paper checks are available
- Free Online Banking and BillPay
- Interest* is paid each day you maintain a minimum balance of $500
- eStatements required
- Plus, we’ll make a $25 donation to an area non-profit
* Interest is calculated from day of deposit to day of withdrawal. It is compounded monthly on a 365/365 day basis and credited on the statement date. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the full amount of the principal in the account each day.
Packard Checking
Earn interest and enjoy premium services
- $100 minimum deposit to open the account
- Preferred ATM withdrawal limit of $600 per day
- Debit card limit up to $5,000 a day for balances in the account
- No charge for BSI logo checks
- Free Online Banking and BillPay
- NOW Account*
- Preferred rates on Certificates of Deposit, consumer loans and safe deposit box rental
The account is available to anyone 18 years or older who qualifies by maintaining a $10,000 combined deposit balance (checking, savings, CDs, and/or IRA) at Bath Savings Institution or a Bath Savings Trust Company relationship. If the combined balance falls below $10,000, there will be a $15 monthly service charge.
* Interest is calculated from day of deposit to day of withdrawal. It is compounded monthly on a 365/365 day basis and credited on the statement date. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the full amount of the principal in the account each day.
Basic Checking
First checking account? Check this out!
- $25 minimum deposit to open the account
- No minimum balance
- Free Online Banking
- $2 monthly service charge
- Write up to eight checks per month – $.50 per check for additional checks
Regular Checking
Ideal if you maintain a low monthly balance
- $100 minimum deposit to open the account
- Minimum balance of $300 checking or a $500 savings account
- Free Online Banking
- Monthly service charge of $6.50 if minimum balance not maintained
- Unlimited check writing
NOW Checking
Earn interest* on your account
- $100 minimum deposit to open the account
- Minimum balance $500
- Free Online Banking
- Monthly service charge of $6.50 if minimum balance not maintained
- Unlimited check writing
* Interest is calculated from day of deposit to day of withdrawal. It is compounded monthly on a 365/365 day basis and credited on the statement date. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the full amount of the principal in the account each day.
Senior Checking
Checking for customers 55 and older
- $100 minimum deposit to open the account
- No minimum balance
- No monthly service charge
- Free Online Banking
- Unlimited check writing
- No charge for BSI logo checks
eSafe Checking
An electronic account+ with debit card
- $25 minimum deposit to open the account
- $1 minimum monthly balance
- $2 monthly service charge
- Free Online Banking and BillPay
- Two free money orders per month - $3 per additional order
- eStatements required
- No charge for automatic transfers from savings
+ No paper checks with this account
Health Savings NOW
If covered by a High Deductible Health Plan (HDHP), you are eligible for this account.
- $100 minimum deposit to open the account
- Free Online Banking
- No monthly service charge
- Earn interest on your account*
- Minimum balance of $500
- Debit card and unlimited check writing to pay for medical expenses
* Interest is calculated from day of deposit to day of withdrawal. It is compounded monthly on a 365/365 day basis and credited on the statement date. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the full amount of the principal in the account each day.
