BCM Advantage is an exclusive checking account designed for our valued customers. It provides a level or personalized service not found in other checking accounts.

Features:

• $200.00 to open the account
• For consumers only
• No minimum balance
• Unlimited Checking
• $6.00 service charge for anyone under 55
• $4.00 service charge for anyone over 55

Benefits:

• Interest earned on $1,000 minimum daily balance
• Free personalized checks
• Free Travelers Checks, Cashier’s Checks and Money Orders
• Free Financial Check-up
• Everyday Rebate Rewards - up to $40 a year
• Payment Card Protection
• Document and Personal Property Registry
• $10,000.00 Accidental Death Insurance, plus an optional Family Plan
• ID Network Safety Service
• Safe Deposit Box - 1 year rental free
• Overdraft Protection for qualified applicants
• Savers Club Book
• Date Reminder Service
• Auto Trip Routing
• Notary Service - free
• Sojourns Magazine Subscription
• 24 Hour MoneyLine available at NO charge

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Get hassle-free checking at a cost that is determined by the minimum balance maintained in the account.

Features:

• $200.00 to open the account
• Non-interest bearing

Waive the maintenance fee completely when you:

• Maintain a balance of $500.00
• Use Direct Deposit
• Have $2,500 in a Savings Account
• Or, $7,500 in a Certificate of Deposit

Benefits:

• Inexpensive method record keeping
• Monthly statement
• Unlimited check writing
• No per-check charges
• Instant Cash and Check Card available at no charge
• Overdraft Protection to qualified applicants
• 24 Hour MoneyLine available at NO charge

Maintenance Fee:

• $99.99 or less - $6.25 monthly
• $100.00 to $299.99 - $5.25 monthly
• $300.00 to $399.99 - $4.25 monthly
• $400.00 to $499.99 - $3.25 monthly
• $500.00 and above – No monthly fee

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You've worked hard for your money and you deserve an account to help you more effectively achieve your financial goals. If you are 55 years or older, you have earned the "extra" benefits we've packed into this account.

Features:

• $200.00 to open the account
• Non-interest Bearing
• Minimum Daily Balance - None

Benefits:

• No Monthly Maintenance Fee
• Free Safety Paper Checks - 2 Boxes Yearly (50% discount on all other personal checks)
• Free ATM/Debit Card
• Free Traveler's Checks
• Free Money Orders
• Free Cashier's Checks
• Free Notary Service
• Free Financial Check-up with CFP®

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A Super Checking (NOW) account gives you the easy access of a Regular Checking account, plus the added advantage of a higher rate of earnings on the daily balances in your account. You determine the interest paid and the monthly service charge.

Features:

• Must maintain a minimum balance of $1,000 in the account daily to obtain APY
• $500.00 to open the account
• Interest compounded and credited to account monthly
• Daily balance method used to calculate interest on balances of $1,000.00
• Interest rate and APY may change anytime
• No interest paid if account is closed prior to statement cycle

Waive the maintenance fee completely when you:

• Maintain a balance of $2,500.00
• Use Direct Deposit
• Have $2,500 in a Savings Account
• Or, $7,500 in a Certificate of Deposit

Benefits:

• Convenient – can save and check on one account
• Convenient place to hold funds between investments
• Monthly statement
• Unlimited check writing
• No per-check charges
• Instant Cash and Check Card available at no charge
• Overdraft Protection to qualified applicants
• 24 Hour MoneyLine available at NO charge

Maintenance Fee:

• $299.99 or less - $6.25
• $300.00 to $399.99 - $4.25
• $400.00 to $499.99 - $3.25
• $500.00 to $2,499.99 - $2.00
• $2,500.00 and above – No monthly fee

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The name says it all! Relationship Checking is everything you need from a bank. Open two "new" accounts or maintain two or more "existing" accounts with BCM and qualify for this special account. It's our reward to you for being a loyal customer and for having multiple banking relationships with the bank.

Features:

• $100.00 to open the account
• Non-interest Bearing
• No Minimum Balance
• No Monthly Maintenance Fee
• Free Check Imaging

Benefits:

• Unlimited check writing
• No per-check charges
• Free ATM Card
• $2.00 Monthly Fee for Debit Card (unless customer has Direct Deposit or other existing BCM relationships)

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