Deposit Products

• Regular Checking
• Interest Checking
• Health Savings Accounts
• Savings Accounts
• Money Market Accounts
• Certificates of Deposit

Regular Checking
BC National Banks offers three types of regular checking accounts. These are Free Checking, Regular Checking, and Smart Checking. All these accounts require only $100 minimum balance to open and require NO minimum balance to maintain the accounts. Free Checking offers unlimited check writing, MasterMoney card monthly service fee waived, and requires a direct deposit. Smart Checking offers numerous benefits from insurance, coupons, discounts, and money for college. All these accounts offer ATM and Debit checking cards for your convenience. Please stop by one of our seven locations for complete details!

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Interest Checking
BC National Banks offers two interest checking accounts. One is called the Super Now Checking and the other is called Smart Plus Checking. Both accounts require $2,500.00 to open, and your interest will be compounded and credited every month. The Smart Plus Checking account is for customers over the age of 50 and offers many benefits. These include receiving 200 free basic checks per year, and receiving half price money orders and travelers checks. For further details stop by one of our seven locations and we will be glad to assist you.

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Health Savings Accounts
Health Savings Accounts are intended to help you save money and take greater control of your health care costs. HSAs are always coupled with a High Deductible Health Plan (HDHP). HDHPs feature much lower premium payments than typical Low Deductible Plans. The money you save on premium payments can be invested in your HSA. Those funds will be available to help cover out-of-pocket qualified medical expenses. You are permitted to deduct the full amount of your contributions to your HSA and you do not pay taxes on the earnings as long as you spend them on qualified medical expenses.

To find out if you qualify for a Health Savings Account, please consult your attorney, tax or financial advisor with regard to your personal situation. Once you know that you are qualified, please contact one of our HSA representatives at the BC National Banks office location closest to you. We will be happy to assist you in opening your Health Savings Account. Check out our GREAT rates on these accounts.

If you need help in obtaining a personalized quote for a qualified high deductible health insurance plan or need to contact an HSA consultant, click here for a contact.

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Savings Accounts
BC National Banks offers three types of savings accounts. The first is a Regular savings which requires $100.00 to open. The second type of savings account is called a Children Savings which is for kids 12 years of age and under. The minimum to open this account is $25.00. The third type of savings account we offer is the Teen Savings account. This account is for teens between the ages of 13-18 years old and also requires just $25.00 to open.
Click here for rates!

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Money Market Accounts
BC National Banks offers some of the best money market rates in the area. Our rates are updated every Thursday, so be sure to frequent this website to get our most current rates! Click here for rates!
 
The minimum balance to open our BCNB Preferred Money Market checking account is $2,500.00. We offer five tiers of interest rates for your convenience. The more money you invest, the more interest you earn!

Transfers from a Money Market Checking account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.

To find out more about the different checking, savings, or money market accounts we offer, please call or stop by one of our seven locations. One of our team members will be glad to explain the many benefits of each account, and make sure you are opening the type of account that most benefits your needs!
Click here for rates!

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Certificates of Deposit
BC National Banks offers Certificates of Deposit with competitive rates. Our rates are updated every Thursday, so make sure you check out our new rates weekly! Click here to see rates!
If your CD is for one year or less, the early withdraw penalty is three months interest. If your CD is for more than one year, the early withdrawal penalty is six months interest.
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