Personal Banking

BOS Checking Accounts

BOS offers you a variety of checking accounts to fit your individual needs. Whether you choose a simple free checking account or an interest-bearing NOW account you’ll also receive a number of additional services just for banking with us. A BOS personal banker will be happy to answer your questions and help you select the account that is right for you.

Order Checks:

Already have a BOS Checking Account? Order your checks here.


BOS Checking Accounts include:





Our basic checking account has no minimum daily balance and no monthly account maintenance fees.





An interest-bearing account tiered to pay a higher rate on higher balances.

Tier 1 interest is paid on account balances of $4,999.99 and below. Tier 2 interest is paid on account balances of $5,000.00 and above.

The Personal NOW account requires a minimum $1,000.00 daily balance or an average daily balance of $1,800.00. A $7.50 monthly account maintenance fee is charged if the account falls below the minimum balance.





With Personal Power NOW your checking and savings are all rolled into one account with unlimited check writing. Interest is tiered to pay a higher rate on higher balances. Tier 1 interest is paid on balances $9,999.99 or below. Tier 2 interest is paid on balances between $10,000.00 and $24,999.99, and Tier 3 interest is paid on balances of $25,000.00 or above. A $25.00 monthly account maintenance fee is waived on this account if you maintain a daily balance of $5,000.00 or an average daily balance of $10,000.00.

In addition, Personal Power NOW account customers also receive:

  • 5 free ATM transactions at non-BOS ATMs
    (up to $10.00 per monthly statement cycle)
  • Free personalized checks
  • Free cashiers checks
  • VISA® Debit Card with ATM access
  • $5.00 discount on annual Safety Deposit rental




Customers 50 years of age or better are eligible for this interest-bearing checking account.

A $7.00 monthly account maintenance fee plus $0.20 per debit is charged if the daily balance falls below $100.00.

Classic 50 NOW customers are automatically members of our Classic 50 Club. Members enjoy day trips to sporting events, shopping and theatre; major tours domestic and international; birthday and anniversary celebrations; and informational seminars on financial planning, online banking and more.

Compare BOS Checking Accounts


BOS Free Checking Personal NOW Personal Power NOW Classic 50 NOW


Minimum to Open $100 $1,000 $5,000 $100
Minimum Daily Balance None $1,000 $5,000 $100
Minimum Average Daily Balance None $1,800 $10,000 None
Account Maintenance Fee None $7.50 $25 $7.00
Money Pass ATM Network
VISA® Debit Card
Online Banking
Checkfree Bill Payment
Mobile Banking
Toll-free Account Information
Free Personalized Checks
Free Cashier's Checks
Safety Deposit Rental Discount


Additional Checking Services

Allowable Overdraft*
The bank pays items up to your AOD limit to cover occasional and unintentional overdrafts. There is a fee for each item paid.

Instant Check Line-of-Credit*
This credit line is attached to your checking account to prevent overdrafts and bounced checks.

Combined Statements
Consolidate your separate BOS checking and savings account statements into a single statement. For added convenience, you can receive your statements online.

Online Banking
Enjoy banking online and unlimited checkfree bill payment* with safe 24-hours a day, seven days a week access to your accounts.

Mobile Banking
With BOS Mobile Banking, you can securely access your accounts from your mobile phone by text message or mobile browsing.

Toll Free Account Information
Our toll-free number 1.800.789.0511 allows you to check balances, review recent transactions, transfer money and make loan payments 24/7 via telephone. TDD service is available at 1.877.472.9280.

VISA® Debit Cards*
Withdraw money from your accounts from a larger network of surcharge free ATMs. See a complete location list. Debit cards may be used anywhere VISA® is accepted.

*Some services are subject to credit approval. See a personal banker for more information.


This Web site is for marketing purposes and is not designed as a substitute for full account disclosure of any product described in this Web site. Please contact BOS for more information.

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