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Personal Checking Accounts

At Bath Savings we offer a number of personal checking account options — all with free online and mobile banking and our no-fee debit card. Plus, you’ll receive a $10 Neighbor to Neighbor Gift Certificate when you open a new account with a deposit of $100 or more. (Offer limited to one per new account.)

Learn more about our Neighbor to Neighbor program and the benefits of banking with Bath Savings.

Find the checking account that’s right for you!

eChecking NOW
Save fees — and trees
Regular Checking
Ideal if you maintain a low monthly balance
NOW Checking
Earn interest on your account
Packard NOW Checking
Relationship banking with premium benefits
Health Savings NOW
HDHP-eligible account5
  • No minimum deposit
  • No minimium balance
  • No monthly service fee
  • Free Online Banking and BillPay
  • Earns interest1 each day $500 minimum balance is maintained
  • Recycled paper checks available
  • eStatements required
  • $25 donation to an area non-profit of your choice
  • $100 minimum deposit
  • Minimum balance of $300 checking or $500 savings
  • $0 or $7 monthly service fee2
  • Free Online Banking
  • Unlimited check writing
  • Free BillPay with eStatements
  • No monthly service fee for customers 55 and older
  • $100 minimum deposit
  • Minimum balance of $500
  • $0 or $7 monthly service fee2
  • Free Online Banking
  • Earns interest1
  • Unlimited check writing
  • Free BillPay with eStatements
  • $100 minimum deposit
  • Minimum balance of $10,0003
  • $0 or $15 monthly service fee
  • Free Online Banking and BillPay
  • Earns interest4
  • Free BSI logo checks
  • Preferred ATM withdrawal limit of $600 per day
  • Debit card limit up to $5,000 a day for balances in the account
  • Free domestic wire transfers
  • Preferred rates on Certificates of Deposit, consumer loans and safe deposit box rental
  • $100 minimum deposit
  • Minimum balance of $1
  • No monthly service fee
  • Free Online Banking
  • Earns interest1
  • Debit card and unlimited check writing for medical expenses
  • Free BillPay with eStatements
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  1. 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. APY (Annual Percentage Yield) is 0.05%.
  2. $0 monthly service fee if minimum balance is maintained. $7 monthly service fee if minimum balance is not maintained.
  3. Must be 18 years or older and qualify 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.
  4. 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. APY (Annual Percentage Yield) is 0.12%.
  5. Must be covered by a High deductible health plan (HDHP) to be eligible for this account.