Personal Checking Accounts
At Bath Savings we offer a number of personal checking account options — all with online and mobile banking. Plus, you’ll receive a $10 Neighbor to Neighbor Gift Certificate when you open a new account with a deposit of $100 or more. (Offer limited to one per new account.)
Learn more about our Neighbor to Neighbor program and the benefits of banking with Bath Savings.
Are you an existing checking account customer looking to order checks?
Find the Neighbor to Neighbor Advantage checking account that’s right for you!
Packard Advantage Checking
We reward your relationship.
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Premium Advantage Checking
Benefits you’ll use.
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Select Advantage Checking
Just the basics.
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Anywhere Banking Tools Online banking, mobile banking, BillPay, debit card and e-statement. |
• Yes | • Yes | • Yes |
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Shop Local, Save Local with N2N $avings Local discounts and national retailer deals to save you money on shopping, dining, travel and more. |
• Yes | • Yes | — No |
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Cell Phone Protection 1,2 Receive up to $400 per claim ($800 per year) for Premium & Packard accounts, and $200, once a year for Select Advantage accounts, if your cell phone is broken or stolen. |
• Yes | • Yes | • Yes |
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ID theft aid 1,2 Includes payment card fraud resolution, $5,000 in personal identity theft benefit and identity restoration for Premium & Packard accounts — $1,000 for Select Advantage accounts. |
• Yes | • Yes | • Yes |
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Roadside assistance Available 24/7 and free to use, up to $80 in covered service charges. |
• Yes | • Yes | — No |
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$10,000 travel accidental death coverage 2 Peace of mind for the unexpected. |
• Yes | • Yes | — No |
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Health Savings Card Save money on prescriptions, eye exams, frames, lenses and hearing services. |
• Yes | • Yes | — No |
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Interest on your checking balance 3 Our best checking rate. |
• Yes | — No | — No |
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Buyer’s Protection and Extended Warranty 1,2 Newly purchased items from your Neighbor to Neighbor checking account are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, for Premium & Packard accounts — 90 days for Select Advantage accounts, plus one year extended warranty. |
• Yes | • Yes | • Yes |
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Additional Bank Benefits Preferred rates on Certificates of Deposit, 25% discount on Safe Deposit Box, Higher POS and ATM daily limits, Free domestic wire transfers, Free Packard checks, No BSI fee on ATM withdrawals at Non-BSI ATMs |
• Yes | — No | — No |
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$25 donation to an area non-profit of your choice Non-profit organizations will receive an additional $25 when a Board Member or member opens an Advantage Checking account and mentions the non-profit as a referral. |
• Yes | • Yes | • Yes |
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$10 Neighbor to Neighbor Gift Certificate Open a new Packard Advantage Checking Account with a minimum deposit of $100 and you’ll receive a Neighbor to Neighbor Gift Certificate to support a local N2N business that banks with us. |
• Yes | • Yes | • Yes |
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• Yes | • Yes | — No |
| Monthly Service Charge | $0 or $104 | $7 | $0 or $75 |
| Open Online | Open Online | Open Online | |
| Open Online | |||
- Cell phone protection, personal identity theft benefit and buyer’s protection and extended warranty are subject to additional terms and conditions.
- Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK
- Interest is calculated from day of deposit to day of withdrawal. It is compounded monthly on a 365/365 day basis and credited on the statement date. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the full amount of the principal in the account each day. APY (Annual Percentage Yield) is 0.07%.
- Maintain a minimum balance of $1,000 in a checking account or combined deposit relationship of $10,000 or more or a BSTC relationship to avoid the $10 monthly service charge.
- Maintain a $300 minimum balance in checking or $500 in savings or enroll in eStatements to avoid the $7 monthly service charge.
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Monthly service charge will not be charged if a 1st mortgage customer, to those 62 and over, and Workplace Banking customers.
Benefit Details
Just pay your cell phone bill with your Neighbor to Neighbor Advantage Checking accounts,and you’re covered. If your phone is broken or stolen, we’ll pay to have it repaired or replaced, up to $400 per claim (maximum of $800 per year for Premium and Packard accounts and $200 per year for Select Advantage).
Cell phone protection, personal identity theft benefit and buyer’s protection and extended warranty are subject to additional terms and conditions.
Newly purchased items from your Neighbor to Neighbor checking account are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, for Premium & Packard accounts — 90 days for Select Advantage accounts, plus one year extended warranty.
Payment card fraud resolution
If your payment cards are lost or stolen, you have a personal fraud specialist ready to assist you.
Personal identity theft benefit
Receive reimbursement for covered expenses you incur to restore your identity ($5,000 reimbursement for Premium and Packard accounts and $1,000 for Select Advantage accounts).
Identity restoration
Unlimited access to personal fraud specialists who provide identity recovery and restoration assistance.