Personal Checking Accounts in Maine | Free & Easy to Open Online
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Personal Checking Accounts

Looking for checking the way it should be? 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. Find the checking account that’s right for you — then open an account online.

Plus we make it easy for you to switch to Bath Savings. Call 1-800-447-4559 or stop by your local branch to learn more.

eChecking NOW   Save fees — and trees

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. APY (Annual Percentage Yield) is 0.05%.

Packard NOW Checking   Relationship banking with premium benefits

Relationship banking with premium benefits

  • $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
  • Free domestic wire transfers
  • 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. APY (Annual Percentage Yield) is 0.12%.

Regular Checking   Ideal if you maintain a low monthly balance

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 $7.00 if minimum balance not maintained
  • Unlimited check writing
  • No monthly fee for customers 55 and older
NOW Checking   Earn interest* on your account

Earn interest* on your account

  • $100 minimum deposit to open the account
  • Minimum balance $500
  • Free Online Banking
  • Monthly service charge of $7.00 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. APY (Annual Percentage Yield) is 0.05%.

Health Savings NOW   HDHP eligible account

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 $1
  • 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. APY (Annual Percentage Yield) is 0.05%.

Stop by your local branch to open a Health Savings Now account today.

Explore the benefits of banking with BSI. These Neighbor to Neighbor personal services are included with each checking account.

  • $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 smartphone
  • 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