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Personal Checking Accounts

At Bath Savings we offer a number of personal checking account options — all with online and mobile banking. 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.

Are you an existing checking account customer looking to order checks?

Find the Neighbor to Neighbor Advantage checking account that’s right for you!


Packard Advantage Checking

Premium Advantage Checking

Select Advantage Checking
Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card and e-statement.
Yes Yes Yes
Shop Local, Save Local with N2N $avings
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
Yes Yes No
Cell Phone Protection 1,2
Receive up to $400 per claim ($800 per year) for Premium & Packard accounts, and $200, once a year for Select Advantage accounts, if your cell phone is broken or stolen.
Yes Yes Yes
ID theft aid 1,2
Includes payment card fraud resolution, $5,000 in personal identity theft benefit and identity restoration for Premium & Packard accounts — $1,000 for Select Advantage accounts.
Yes Yes Yes
Roadside assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Yes Yes No
$10,000 travel accidental death coverage 2
Peace of mind for the unexpected.
Yes Yes No
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Yes Yes No
Interest on your checking balance 3
Our best checking rate.
Yes No No
Buyer’s Protection and Extended Warranty 1,2
Newly purchased items from your Neighbor to Neighbor checking account are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, for Premium & Packard accounts — 90 days for Select Advantage accounts, plus one year extended warranty.
Yes Yes Yes
Additional Bank Benefits
Preferred rates on Certificates of Deposit, 25% discount on Safe Deposit Box, Higher POS and ATM daily limits, Free domestic wire transfers, Free Packard checks, No BSI fee on ATM withdrawals at Non-BSI ATMs
Yes No No
$25 donation to an area non-profit of your choice
Non-profit organizations will receive an additional $25 when a Board Member or member opens an Advantage Checking account and mentions the non-profit as a referral.
Yes Yes Yes
$10 Neighbor to Neighbor Gift Certificate
Open a new Packard Advantage Checking Account with a minimum deposit of $100 and you’ll receive a Neighbor to Neighbor Gift Certificate to support a local N2N business that banks with us.
Yes Yes Yes
Powered by BaZing Yes Yes No
Monthly Service Charge $0 or $104 $7 $0 or $75
Footnotes
  1. Cell phone protection, personal identity theft benefit and buyer’s protection and extended warranty are subject to additional terms and conditions.
  2. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK
  3. 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%.
  4. Maintain a minimum balance of $1,000 in a checking account or combined deposit relationship of $10,000 or more and we’ll waive the $10 monthly service charge.
    OR
    Monthly service charge waived with a BSTC relationship.
  5. Maintain a $300 minimum balance in checking or $500 in savings or enroll in eStatements and we’ll waive the $7 monthly service charge.
    OR
    Monthly service charge waived for 1st mortgage customers, those 62 and over, and Workplace Banking customers.

Benefit Details

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Cell Phone Protection

Just pay your cell phone bill with your Neighbor to Neighbor Advantage Checking accounts,and you’re covered. If your phone is broken or stolen, we’ll pay to have it repaired or replaced, up to $400 per claim (maximum of $800 per year for Premium and Packard accounts and $200 per year for Select Advantage).

Cell phone protection, personal identity theft benefit and buyer’s protection and extended warranty are subject to additional terms and conditions.
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Buyer’s Protection and Extended Warranty

Newly purchased items from your Neighbor to Neighbor checking account are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, for Premium & Packard accounts — 90 days for Select Advantage accounts, plus one year extended warranty.

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ID Theft Aid

Payment card fraud resolution
If your payment cards are lost or stolen, you have a personal fraud specialist ready to assist you.

Personal identity theft benefit
Receive reimbursement for covered expenses you incur to restore your identity ($5,000 reimbursement for Premium and Packard accounts and $1,000 for Select Advantage accounts).

Identity restoration
Unlimited access to personal fraud specialists who provide identity recovery and restoration assistance.