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

NOW Checking

Traditional banking needs

YES

$100

$500

$5 fee if balance falls below minimum.

$5 fee if balance falls below minimum.

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Direct Deposit Checking

Those who have direct deposits

YES

$100

$500

$5 fee only if direct deposit not received AND balance falls below minimum.

$5 fee only if direct deposit not received AND balance falls below minimum.

Apply Now

e-Advantage Checking

Tech savvy consumers who want a lower balance requirement

NO

$100

$100

$10 fee if balance falls below minimum. Must enroll in eBanking and e-Statements to avoid $2 monthly charge.

$10 fee if balance falls below minimum. Must enroll in eBanking and e-Statements to avoid $2 monthly charge.

Apply Now

Heroes Checking

Military, Police Officers, Firefighters and EMTs (active, retired, volunteer)

YES

$100

NONE

No fees.

No fees.

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Classic Checking

Consumers 55+ years of age

YES

$100

NONE

No fees.

No fees.

Apply Now

Student Checking

Consumers 14-23 years of age

YES

$1

NONE

No fees. $10 Bonus if you open up with a balance of $10 or more.

No fees. $10 Bonus if you open up with a balance of $10 or more.

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Premium Checking

Higher interest yields for higher balances with the flexibility to withdraw anytime

TIERED

$1,000

$10,000

$15 fee if balance falls below minimum.

$15 fee if balance falls below minimum.

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Money Market Checking

Higher interest yields with restrictions on the number of withdrawals monthly

TIERED

$500

$2,500

$15 fee is balance falls below minimum.

$15 fee is balance falls below minimum.

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Magnum Money Market Checking

Earning a higher interest rate on your larger balances

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. 

Apply Now

New Jersey Consumer Checking

Our most basic checking account product

NO

$50

NONE

$3 monthly fee. $0.50 charged per check in excess of 8 checks per month.

$3 monthly fee. $0.50 charged per check in excess of 8 checks per month.

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Product Features

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.

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
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
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.

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
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 
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. 

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. 

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
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)