At Boiling Springs Savings Bank we offer a variety of different services to complement your accounts. If you want to bank or pay bills from home, try out Online Banking, if you need 24 hour access to your cash, the Master Debit Card may be right for you!

Boiling Springs' Debit MasterCard gives you the power of a credit card with the convenience of an ATM card. Our Debit MasterCard can be used anywhere Debit MasterCard is accepted, in addition to being used as an ATM card at all participating NYCE and Cirrus ATMs worldwide. Now you can have all the convenience of writing a check with none of the hassle. Visit one of our 17 branches to sign up for a Debit MasterCard to enjoy these benefits:

• It saves time. When you make a purchase with a Debit MasterCard you do not need to provide identification as with a check or wait for approval.
• It lightens your pockets. Instead of carrying your checkbook or a large amount of cash, just carry your Debit MasterCard.
• Worldwide acceptance. While on vacation, your debit card may be more readily accepted than your personal check.
• Forget "buy now, pay later". With a Debit MasterCard your purchases are automatically debited from your checking account and itemized on your monthly checking statement. You will not receive a bill or owe anything on your Debit MasterCard at the end of the month since you have already paid for your purchases.
• No annual fee.

With a Boiling Springs Savings Bank ATM card you can have 24/7 access to your checking or statement savings accounts at participating NYCE and CIRRUS networks as well as point of sale terminals. Boiling Springs Savings Bank will never charge you a transaction fee for using your ATM card.*

For the ultimate convenience, log on to Boiling Spring's Online Banking. Online Banking gives you access to all of your Boiling Springs accounts twenty four hours a day, seven days a week from anywhere you have access to a computer. Online Banking saves you time, keeps you organized and best of all, is free! Don't wait for your statements to arrive in the mail every month, sign up for Online Banking today and you can:

• Check your account balances.
• See if checks have cleared.
• Transfer funds between checking and statement savings accounts.
• Generate reports regarding your transaction history.
• Download financial history into Quicken.® (Technical support for Quicken is provided by Intuit).
• Place stop payments.
• View online images of your cancelled checks
• View your account statements online (eStatements). You can choose to eliminate paper statements.
• Email Alerts

Sign up for Online Banking, click Online Banking and complete the Online Application.

When you combine BSSB Bill Pay with your Online Banking account, we are confident that you'll never go back to writing checks for your bills again! BSSB Bill Pay is one of the most convenient and easy methods to pay your bills. Just a few clicks of a mouse and your bills are paid. What could be more comfortable?

• Pay your bills online from your checking account!
• Save time by not writing checks, addressing envelopes and searching for stamps.
• Save money on postage and check orders.
• Set up current, future or recurring payments such as your mortgage, auto payment or utility bills.
• View account summary of bill payment activity.
• Generate reports based on bill payment history.

To sign up for Online Bill Pay, just click on the Make Payments tab in your Online Banking screen and complete the online application.

Access your accounts by phone 24 hours a day, seven days a week. With telephone banking you have up to the minute information on your account whenever you need it from anywhere you have access to a telephone. Please visit one of our branches to sign up. With Telephone Banking you can:

• Enjoy 24 hour access to your accounts.
• Verify account balances and review transaction history.
• Find out what checks have been paid or deposits made.
• Transfer funds between checking and statement savings accounts.
• Make payments to your Boiling Springs Savings Bank loans.
• Initiate advances on your existing Home Equity Credit Line to your checking or statement savings account.

Call 1-800-550-9655 to access the Telephone Banking Service.

Avoid the embarrassment of bounced checks and associated overdraft fees! With our automatic transfer overdraft protection, you can link a statement savings account to your checking so that you never have to worry about overdrawing your account. As long as there are enough available funds in your linked savings account,* a transfer will automatically be made to cover the shortage in your checking account. There is a modest ten dollar fee for this transfer that saves you from the inconvenience and embarrassment of a bounced check.

Save yourself a trip to the bank! Have your pay, Social Security, pension funds or interest payments electronically credited to your account.

We can also set up electronic payments to your Boiling Springs Savings Bank loans from your checking account here or at another bank.

Safe Deposit Boxes are available at our Clifton, Florham Park, Glen Rock and Rochelle Park Branches. They come in a variety of sizes and may be accessed during business hours of the respective branches.

2" x 5"		$20.00	Only in Glen Rock
3" x 5"		$25.00
5" x 5"		$40.00
3" x 10"		$50.00
5" x 10"		$75.00
10" x 10"		$150.00

The Community Alliance Program

The Community Alliance Program is designed for organizations like your Little League program, church group, Boy Scout Troop, Fireman's Association, and garden club. It is a way for organizations like these, to earn extra money entirely through the participation of its members.

Your members must open, or already have a checking or savings account at Boiling Springs Savings Bank that they would like to enroll in the Community Alliance Program. Once the account is established, members or supporters of your organization can then open their accounts at the Bank and enroll them as Community Alliance participants. If your members already have their accounts at Boiling Springs, they just need to contact the Bank to let us know that they would like to participate in the program. We will then begin to track the average daily balances in your members' designated accounts and once the minimum number of members is met, the Bank will make a quarterly donation to your organization based on these balances. For more information and a list of Community Alliance Program participants, Please click here.

Bounce-Proof Advantage

As always, we encourage our customers to manage their finances responsibly. However, we do recognize when unexpected incidents or emergencies arise when the funds in your checking account are not adequate to cover your transactions.
Bounce-Proof Advantage is a special overdraft service for our checking customers that saves them from the embarrassment, additional merchant fees and possible damage to their credit history that might result if a check is returned. As long as you are a customer in good standing, Boiling Springs may approve your overdrafts within your current available Bounce-Proof Advantage limit.

No action is required on the part of the checking account holder to sign up for this service since the limit amount will be automatically assigned. There is no additional cost associated with this privilege unless you use it. If you do need to use it, you will be charged our Bounce-Proof Advantage fee of $30 for each item created by check or through in-person withdrawals.

All negative balances must be brought to a positive end of day balance within 30 days. The Bounce-Proof Advantage limit will not be reflected in your balance provided by a teller or at the ATM, through Online Banking or 24-Hour Telephone Banking. Boiling Springs Savings Bank reserves the right not to pay if your account is not kept in good standing.
For more information, please click on the following link to read our Bounce Proof Advantage brochure or speak with one of our a customer service representatives.

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