Personal Checking

Boiling Springs recognizes that our consumer and business customers have different needs. We give customers what they need with a menu of checking accounts that fits everyone’s individual financial goals.

 

We think you’ll be pleased by the menu of choices available for our checking accounts. Please note that in addition to each checking account’s special features listed below, ALL checking accounts include the following convenient benefits:

  • Free eBanking
  • Free eMobile Banking
  • Free eBillPay
  • Free 24-hour Telephone Banking
  • Free Direct Deposit
  • Free Boiling Springs ATM Card or Debit MasterCard
  • Overdraft Protection Transfer Services Available

Bounce Proof Advantage services are also available on all accounts except e-Advantage and Student Checking.

Compare Our Offerings

Premier Checking Accounts Perfect For Interest Bearing Minimum Deposit Minimum Balance Fees and other features

Axis Checking

Dislike ATM fees? This NO ATM FEE WORLDWIDE account is for you!

YES

$1

NONE

Must enroll in eBanking and eStatements to avoid $2 monthly charge.

Must enroll in eBanking and eStatements to avoid $2 monthly charge.

Open Now

Classic Checking

Like FREE SPECIALTY CHECKS, no monthly FEES and INTEREST on all balances?

YES

$100

NONE

Available to consumers 55+. No fees.

Available to consumers 55+. No fees.

Open Now

Magnum Money Market Checking

If you are focused on HIGHER INTEREST on LARGER BALANCES Magnum is for you!

TIERED

$25,000

$25,000

$50 fee if balance falls below minimum.
New Money ONLY. 

$50 fee if balance falls below minimum.
New Money ONLY. 

Open Now

Product Features

Axis Checking

A checking account that offers limitless possibilities with unlimited ATM fee rebates worldwide1, no fees and no minimum balance requirement.

  • Unlimited ATM cash withdrawal fee rebates worldwide1
  • No monthly maintenance fees
  • No OD Protection Transfer fees
  • Interest earned on all balances
  • Complimentary welcome checks
  • Must enroll in eBanking and select eStatements option to avoid a $2 monthly service charge
  • Minimum opening deposit of $1

Rate is subject to change after account opening. Fees may reduce the earnings on the account. 
1Unlimited ATM fee rebates apply to cash withdrawals using your Debit MasterCard at all participating Accel and Cirrus ATMs worldwide. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Boiling Springs checking account. Boiling Springs makes its best effort to identify those ATM fees eligible for rebate, based on information it receives from MasterCard and ATM operators. Boiling Springs reserves the right to modify or discontinue the ATM fee rebate at any time.

Switch & Save

Eligible Checking Account + .25% APY* CD BONUS RATE
on a 12-Month, 24-Month or 36 Month CD

Looking for a not-so-big bank that delivers great service and competitive rates? Come see us at Boiling Springs Savings Bank. Now is the perfect time to try us out… with this special bonus CD rate when you open an eligible checking account with a debit card and direct deposit. Don’t wait, switch and save today!

*Eligible checking account with debit card and monthly recurring direct deposit of $500 or more required. All checking accounts except Business and Personal Alliance Checking, Small Business Checking and Student Checking are considered eligible. The first direct deposit is required within 90 days of account opening. Bonus CD rate applies to 12-Month, 24-Month or 36-Month CD terms only. All CDs are based on balances of $1,000 or more. Minimum deposit of $1,000 required. Penalty for early withdrawal. A bonus .25% APY (Annual Percentage Yield) will be added to the current CD rate. Bonus APY is only applicable to the initial term of the CD. If the checking account or debit card are closed prior to the bonus CD maturity date, the CD account will revert back to the regular rate for that term. All CDs are available for IRA deposits. Offer may be withdrawn without notice. Other terms and rates available. New Checking Accounts ONLY.

NOW Checking

The traditional NOW account with a low opening balance, free welcome checks, interest-yielding checking, plus easy ATM access and other great features. Overdraft and transfer services are available, too.

  • Minimum deposit to open the account is $100
  • Complimentary welcome checks
  • Interest earned on all balances
  • $5.00 monthly fee if the balance falls below $500
Direct Deposit Checking

The interest-earning checking account with a minimum opening deposit and no fees when you meet the monthly recurring direct deposit requirement. Plus, easy ATM access.Overdraft and transfer services are available. 

  • A monthly recurring direct deposit must be made into this account, i.e. your pay, pension or social security
  • No monthly fees 
  • Minimum deposit to open account is $100
  • Complimentary welcome checks 
  • Interest earned on all balances
e-Advantage Checking

The online checking account for our tech-savvy consumers with a low opening balance, designed with easy access for all our customers.

  • Minimum deposit to open account is $100
  • Complimentary welcome checks
  • Non-interest bearing
  • $10 monthly fee if the balance falls below $100
  • Must enroll in eBanking and select e-Statements (online) option to avoid a $2 monthly service charge
Heroes Checking

Boiling Springs offers a full-service no-fee NOW account to honor the service of our active, retired, paid and volunteer heroes including active and reserve military, fire fighters, police officers or EMTs. This account includes a low opening balance, interest yielding checking, plus easy ATM access and other great features.

  • Minimum deposit to open account is $100
  • Complimentary welcome checks
  • Interest earned on all balances
  • No monthly fees
  • You must show proof of service (organization ID card)

 

 

Classic Checking

Consumers age 55+ qualify for this interest-yielding, checking account with a low opening balance, no monthly checking fees and free specialty checks. Plus, easy ATM access and other great features.

  • Minimum deposit to open the account is $100
  • Complimentary Specialty Checks or a discount on custom checks
  • Interest earned on all balances
  • No monthly fees
Student Checking

A $1 opening balance gives consumers aged 14 to 23 this starter checking account to build financial IQ. You get a $10 bonus if you open the account with $10 or more.

  • Minimum deposit to open the account is $1
  • Complimentary Specialty Checks or a discount on custom checks
  • Interest earned on all balances
  • No monthly fees
  • At age 23 the account will convert to an e-Advantage Checking account
  • $10 bonus is deposited into the account if the account is opened with $10 or more 1
  • Up to $10 in foreign ATM/Debit Card transaction fees can be reimbursed monthly 2

Minimum deposit of $10 is required to earn the bonus. Only one account per consumer will earn the $10. If the account is closed within one year of opening, the $10 bonus will be forfeited. 2 Upon request, Student Checking account customers that generate Foreign ATM/Debit Card transaction fees are entitled to a maximum fee reversal of $10 per statement cycle. Transaction fees will be reversed up to 60 days from the checking account statement ending date.

Premium Checking

Our tiered interest rate account for consumers who want competitive rates for higher balances with the flexibility to withdraw funds at any time. This account includes free specialty checks, easy ATM access, overdraft and transfer services, and other great features.

  • Minimum deposit to open the account is $1,000
  • Complimentary Specialty Checks or a discount on custom checks
  • Tiered rate account
  • $15 monthly fee if balance falls below $10,000 
Money Market Checking

Interest yielding Money Market Checking for individuals and businesses that want to maximize earnings without sacrificing liquidity. 

  • Minimum opening deposit of $500
  • Complimentary welcome checks
  • Tiered interest rates
  • $15 monthly fee if the balance falls below $2,500
  • Available for individuals and businesses
  • Four free domestic wire transfers per year

During any statement cycle, per Reg D, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. 

Magnum Money Market Checking

Earn a higher interest rate on your larger balances and enjoy the flexibility of accessing your money when you need it. 

  • Minimum opening deposit of $25,000
  • Complimentary welcome checks
  • Tiered interest rates
  • $50 monthly fee if the balance falls below $25,000
  • Available for individuals and businesses
  • Four free domestic wire transfers per year

New Money ONLY. During any statement cycle, per Reg D, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. 

New Jersey Consumer Checking

The low $50 opening balance gives consumers more choice. Features include easy ATM access, plus overdraft and transfer services.

  • Minimum deposit to open account is $50
  • Complimentary welcome checks
  • Non-interest bearing
  • Monthly service charge of $3
  • Checks posted in excess of 8 per month are charged $.50 per check