ULTIMATE PLUS CHECKING
Great Rates!
1.11% APY on balances up to $25,000* and 1.11% APY on balances over $25,000. (if all requirements are met, if not you’ll earn .20% APY).
Identity Theft Protection**
$2,500 Identity Theft Protection
Payment Card Protection
Identity Guard**(First 6 months free, then your choice to continue for a small fee)
SUPER BANK BENEFITS!
Free Checks (limit one box per year, Specialty Gray style)
50% Discount on Safe Deposit Box for one year
Free Money Orders
All ATM fees refunded-nationwide! (up to $15 per month)
SAVE MONEY with Member Headquarters savings!
Get your member card
Save money on travel, dining, recreation, prescriptions, eyeglasses, and so much more…
Save at great retailers like…Dick’s, Hallmark, Overstock.com, Target, Barnes & Noble, Best Buy, etc.
Monthly Requirements
12 Debit Card Transactions (NOT including ATM transactions)
Direct Deposit or ACH Transaction
E-statements
Monthly Fee
$100 deposit to open, and no minimum balance requirements.
The fee is only $6.00 per month!
Even better, we’ll waive the fee if you have 24 debit card transactions (NOT including ATM transactions) per month

*APY is Annual Percentage yield. Rates subject to change. Rates effective as of 2/20/09


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ULTIMATE CHECKING
Great Rates!
.90% APY on balances up to $25,000* and .90% APY on balances over $25,000. (if all requirements are met, if not you’ll earn .20% APY).
Identity Theft Protection**
$1,000 Identity Theft Protection
Payment Card Protection
Identity Guard**(First 6 months free, then your choice to continue for a small fee)
Monthly Requirements
12 Debit Card Transactions (NOT including ATM transactions)
Direct Deposit or ACH Transaction
E-statements
Monthly Fee
$100 deposit to open.
It's FREE!
There is no monthly fee, no minimum balance requirements.

*APY is Annual Percentage yield. Rates subject to change. Rates effective as of 2/20/09

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FREE CHECKING (consumer only)
Free Checking provides you with our most basic account. It requires a $50.00 opening balance but no minimum balance. It also provides unlimited checking with no monthly service charge, no monthly service charge Debit card or ATM card, Internet Banking, and Free Bill Pay! Stop by one of our seven locations for complete details!

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BOUNCEBACK CHECKING
BounceBack Checking is another chance for you to establish a great checking account after a rough start or past with a previous account.  If you’ve ever been turned away from opening an account because your name appears on ChexSystems, then you may qualify for this account.  This account requires only $50.00 to open, but no minimum balance to maintain the account.  For a monthly fee of $8, or $6 if you wish to establish a direct deposit to your account, you can have another chance.  It even includes Internet Banking, Bill Pay, ATM or Debit Card and Help with ID Theft with Payment Card Protection, $1,000 Identity Theft Protection and 6 months of Free ID Monitoring.  Call or stop by one of our seven locations today!

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REGULAR BUSINESS CHECKING
Regular Business Checking provides our businesses the flexibility they need without the per deposit item charges that most banks charge!  There is only a $100 opening balance requirement, but no monthly minimum balance.  Plus, you are only charged for the checks you write with a benefit of receiving one free check service charge for each $100 average balance you maintain in your account.  The charge for each debit from your account is 20 cents per item.  That is it!  This account also provides you with our basic access to Internet Banking and Bill Pay, with additional Business services available for a minimal fee.  Stop by one of our seven locations for complete details!

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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.
Click here for rates!

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