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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 Monthly Service Charge/Maintenance Fee
  • Rate Information – Your interest rate and annual percentage yield may change.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Determination of rate – At our discretion, we may change the interest rate on your account.
  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $100 to open this account.

Benefits:

  • Interest earned on $1,000 minimum daily balance
  • Free personalized checks (1 Box Per Year)
  • 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:

  • $100.00 to open the account
  • Non-interest bearing
  • $6.25 Monthly Service Charge Fee

Avoid Monthly Service Charge Fee Completely when you:

  • Maintain a minimum daily balance of $500.00 OR
  • Maintain an average daily balance during the statement cycle of $1,500 or higher OR
  • Have a recurring Direct Deposit OR
  • Maintain a $7500 combined balance in their BCM accounts (Checking, Savings, Certificates of Deposit, Money Market or Loans) 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 for qualified applicants
  • 24 Hour MoneyLine available at NO charge

 

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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
  • $6.25 Monthly Service Charge  Fee

Waive the maintenance fee completely when you:

  • Maintain a minimum daily balance of $2,500.00 OR
  • Maintain an average daily balance during the statement cycle of $4,000 or higher OR
  • Have a recurring Direct Deposit OR
  • The above fee will be waived if the customer maintains a $7500 combined balance in their BCM accounts (Checking, Savings, Certificates of Deposit, Money Market or Loans) A customer service representative must be notified by the customer of any of these events in order for the fee to be waived.

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

 

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