Personal Banking

BOS Savings Accounts

Whether you are saving for a rainy day or a special purchase, BOS offers a variety of savings accounts to help you reach your goals.

BOS Savings Accounts include:

REGULAR SAVINGS*

This basic savings account can be opened with a $100 minimum deposit. Maintain a $100 daily balance and no fees apply.

Fall below the minimum daily balance and a $2.00 monthly account maintenance fee will be charged.

OPEN NOW


POWER SAVINGS*

The more you save the more you earn with our two-tiered Power Savings account. Interest is tiered to pay a higher rate on higher balances. Tier 1 interest is paid on balances of $4,999.99 and under. Tier 2 interest is paid on account balances of $5,000.00 and more. A $7.50 monthly maintenance fee is charged if the account falls below a minimum $1,000.00 daily balance.


PERSONAL MONEY MARKET*

Earn a better interest rate with a Personal Money Market account. This account requires a minimum $2,500.00 to open the account. A $10.00 monthly maintenance fee is charged for balances that fall below a minimum daily balance of $2,500.00 or a minimum average daily balance of $5,000.00.

Interest is tiered to pay a higher rate on higher balances. Tier 1 interest is paid on balances of $19,999.99 and below. Tier 2 is $20,000.00 to $49,999.99. Tier 3 is between $50,000.00 and $99,999.99. Tier 4 is between $100,000.00 and $249,999.99. Tier 5 is balances of $250,000.00 and over.

The Personal Money Market account is restricted by federal regulation with regard to the number of monthly transactions. See a BOS personal banker for restriction guidelines.


MINOR SAVINGS* **

A great way to teach a child how to save, this basic account only requires a $5.00 minimum deposit to open, with no monthly balance for children under 18. Once a child reaches 18 or older, the account is subject to the same requirements as the Regular Savings account.


HOLIDAY CLUB*

Save for the holidays with the Holiday Club program.

Open the account after November 1st of any year and save through October 15th the following year. Receive a payment for the full amount in November. A penalty is charged for early withdrawals.

*Credit approval required on all deposit accounts. Credit approval of parent or legal guardian is required for Minor Savings account.
** Under age 18.

Compare BOS Savings Accounts

Regular Savings* Power Savings* Personal Money Market* Minor Savings* ** Holiday Club*
  OPEN NOW      
Minimum to Open $100 $1,000 $2,500 $25 $5
Minimum Daily Balance $100 $1,000 $2,500 None None
Minimum Average Daily Balance None None $5,000 None None
Account Maintenance Fee $2 $7.50 $10 None None
Online Banking
Mobile Banking
Toll-free Account Information
eStatements

*Credit approval required on all deposit accounts. Credit approval of parent or legal guardian is required for Minor Savings account.
** Under age 18.

Additional Savings Accounts

Health Savings Account
Saving money is good for your health! A BOS health savings account is a tax-beneficial savings account designed to help with current and future medical expenses. Consult a tax advisor for deductibility.

Certificate of Deposit
For long-term savings, open a certificate of deposit (CD) account. You will receive a fixed interest rate for the term of your choice.

View current rates.

Individual Retirement Account
A BOS Individual Retirement Account (IRA) is a personal retirement savings account with some tax advantages. Contact a BOS personal banker to find the right type of IRA for you. Consult a tax advisor for deductibility.

View current rates.

Additional Savings Services

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

Online Banking
Enjoy banking online with secure 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.

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.