Personal Checking
At BCB, we make checking easy.
We know that different people have different needs when it comes to checking accounts. That's why we offer a variety of options, so you can bank the way you want to bank.
BCB introduces our Relationship Checking Program (RCP) offering loyalty credits and other additional benefits. Click Here for more information. *†
Compare | Easy Checking* | Choice Checking | Money Market Checking |
Teen Bridge Checking
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Campus Checking |
Senior
Checking
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Military Checking |
Rewards
Checking
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Rewards Plus
Checking
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Best Choice If You | Just Want the Basics | Want to Earn Extra Money | Want to Earn Interest | Are a Teen** | Are Currently a Student | Are Older & Wiser | Active or Retired Military Status | Want to Earn More Interest ††† |
Want to Earn Max Interest
††††
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Minimum Deposit to Open | $25.00 | $50.00 | $1,000.00 | $50.00*** | $75.00**** | None | $50.00 | $1000.00 | $10,000.00 |
Minimum Balance Fee | None | $5.00 monthly fee if daily balance falls below $500 | $10.00 monthly fee if daily balance falls below $1,000.00 | None | None | None | None | $10.00 monthly fee if balance falls below $1000.00 | $20.00 monthly fee if balance falls below $10,000.00 |
Minimum Daily Balance to Obtain Stated Annual Percentage Yield | None | $500.00 | $5,000.00 | None | None | $500.00 | None | $1000.00 | $10,000.00 - $25,000 |
Annual Percentage Yield | None | 0.10% |
Amounts up to $10k
0.51%
Amounts from $10k - $50k
0.76%
Amounts greater than $50k
1.02%
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None | None | 0.35% | None | 0.25% | 0.35% |
Check Printing | Free (Initial order) | Free (Initial order) | Free (Initial order) | None | Free (Initial order) | Free for Life | Free for Life | Free (Initial order) | Free (Initial order) |
Check Writing | Unlimited | Unlimited |
You may make 6 withdrawal(s) from your account every statement cycle. Transactions include: Pre-authorized transfers, automatic transfers, telephone or fax transfers, internet banking service, checks, drafts, debit card or other similar third party transactions. Any additional withdrawal transactions will incur a fee of $25.00 per transaction. |
None | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
Additional Services | Monthly Image Statements, BCB Debit/ATM, 24 Hr Bank By Phone, Mobile/Online Banking, Online Bill Pay† | Monthly Image Statements, BCB Debit/ATM, 24 Hr Bank By Phone, Mobile/Online Banking, Online Bill Pay† | Monthly Image Statements, 24 Hr Bank By Phone, Mobile/Online Banking, Online Bill Pay† | Monthly Image Statements, BCB Debit/ATM, 24 Hr Bank By Phone, Mobile/Online Banking. Linked to BCB's Excellence Award Program†† |
Monthly Image Statements, BCB Debit/ATM, 24 Hr Bank By Phone, Mobile/Online Banking, Online Bill Pay†
Linked to BCB's Excellence Award Program††
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Monthly Image Statements, BCB Debit/ATM,
24 Hr Bank By Phone, Mobile/Online Banking, Online Bill Pay†
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Monthly Image Statements, BCB Debit Card, 24 Hr Bank by Phone, Mobile/Online Banking, Online Bill Pay† |
Monthly Image Statements, BCB Debit Card, 24 Hr Bank by Phone, Mobile/Online Banking, Online Bill Pay† |
Monthly Image Statements, BCB Debit Card, 24 Hr Bank by Phone, Mobile/Online Banking, Online Bill Pay† |
Refund for Domestic ATM Surcharges | None | None | None | $15.00 per statement cycle | $15.00 per statement cycle | None | $15.00 per statement cycle | None | None |
Interest Bearing Accounts | None | On daily balances $500 & over | Tiered | None | None | On daily balances of $500 & over | None | On daily balances over $500.00 | On daily balances over $500.00 |
Requirements | 18+ to apply |
18+ to apply |
18+ to apply |
13-17 to apply |
18-24 to apply |
55+ to apply |
18+ to apply
_____
Primary owner must be active or retired military person and must present military card at account opening.
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18+ to apply
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18+ to apply
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Additional Important Details:
All interest rates and annual percentage yields are subject to change without notice after opening account. Interest is compounded daily and credited monthly.
Annual percentage yield is accurate as of 12/1/2023.
Interest begins to accrue on the business day your deposit is made.
Closing account before interest is credited will forfeit accrued interest.
Fees may reduce earnings.
NY Lifeline Checking Account available at all BCB Branches.
If account balance falls below $1, your account will automatically close.
* The BCB Easy Checking is designated as the new NJ Consumer checking account. BCB Easy Checking Account exceeds the NJ required standards.
** Parent or Guardian must have a BCB checking account in good standing or open a checking account prior to opening Teen Bridge account.
*** After 30 days of opening a Teen Bridge Checking Account with $50.00 or more, BCB will automatically credit $10.00 to the account.
**** After 30 days of opening a Campus Checking Account with $75.00 or more, BCB will automatically credit $10.00 to the account.
Credits are subject to change without notice after account opening.
† Subject to Verification .
†† Please see a bank representative for details or visit our "BCB Spotlight Page."
††† Must have at least one direct deposit from either Social Security, pension, payroll or unemployment benefits and a Debit Card.
†††† Must have two direct deposits from either Social Security, pension, payroll or unemployment benefits. A debit card with a minimum of 10 point of sale (POS) transactions per month. If the account balance exceeds $25,000, interest on balances exceeding $25,000 will drop to interest rate of .10% with an annual percentage yield of .10%. If the minimum balance falls below $10,000, the interest rate will drop to .10% with an annual percentage yield of .10%. Limit one per household.
*† As part of BCB's Relationship Checking, this product will automatically roll into our Easy Checking product one year from the primary account holders 17th birthday. If the primary account holder is planning to attend a post-secondary or higher education program they are eligible to opt into our Campus Checking product. If opting in the account will automatically roll into the Campus Checking product one year from the primary account 17th birthday. A $25.00 loyalty credit will be deposited 60 days from the date the account rolled into the Campus Checking product. If your account falls below $1.00 your account will automatically close. As part of BCB's Relationship Checking Program, this product will automatically roll into our Easy Checking product on the primary account holders 24th Birthday. If your account falls below $1.00 your account will automatically close.