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Personal Checking

BCM Advantage

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:

  • For consumers only
  • No minimum balance
  • Unlimited Checking
  • $6.00 service charge for anyone under 55
  • $4.00 service charge for anyone 55 and over

Benefits:

  • Interest earned on $1,000 minimum daily balance
  • Free personalized checks
  • Free 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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Regular Checking

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

A customer service representative must be notified by the customer of any of these events in order for the fee to be waived

Benefits:

  • 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:

Monthly Service Charge is based on the following minimum balance per statement cycle:

  • $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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Super Checking

A Super Checking (NOW) account gives you the easy access of a Regular Checking account, plus the added advantage of earnings on the daily balances in your account.

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 minimum daily balance of $2,500.00
  • Use Direct Deposit
  • Maintains a daily balance of $2,500 in a BCM 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

Monthly Service charge is based on the following minimum balance per statement cycle:

  • $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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