For us, it’s personal
Talk to a real person to find the right account for you. Whether you're looking for Local Rewards or a Basic Checking account, debit cards to checks, we can't wait to help you get exactly what you want.
Basic Checking
No muss, no fuss checking when you need it and nothing else. If that’s what you’re looking for, that’s our Basic Checking in a nutshell.
Features
- No monthly service charge
- No minimum balance required
- Debit card
- Digital Banking and Bill Pay
- Mobile Banking
- e-Statements (paper statement subject to a $2.95 fee*)
Account requirements
- $25 minimum to open
*Paper statement fee is waived when monthly statement is combined with another account, or when received electronically.
local rewards Checking
You already bank locally, why not get a little something extra just for being a part of the community? Local Rewards are just that: Neighbor to neighbor benefits.
Features
- A ridiculously high rate
- No monthly maintenance fee
- ATM Fees refunded if qualified*
- Debit card
- Digital Banking and Bill Pay
- Mobile Banking
- eStatements
- FDIC-insured up to $250,000
account requirements
To receive the Bonus Rate and ATM refunds* all three (3) requirements must be met:
- Receive e-Statements
- Have at least 1 direct deposit or ACH debit transaction post and clear per Qualification Cycle1, AND
- Have at least 20 debit card transactions (non ATM transactions) post and clear, each Qualification Cycle
Relationship Checking
Why not get a little something extra for keeping a higher balance in your account? Relationship Checking offers perks like free paper statements, money orders and treasurer’s checks.
Features
- 4 ATM fees refunded per card per calendar month
- Free Money Orders and Treasurer’s Checks
- Debit card
- Free checks for your first order
- Digital Banking and Bill Pay
- Mobile Banking
- Paper statements
- e-Statements
account requirements
- $1000 minimum to open
- Maintain a combined deposit balance of at least $25,000 to avoid the $20 monthly service charge
TO QUALIFY FOR NO MONTHLY FEE
- Daily balance in checking account of $25,000
- Or combined deposit balances of at least $25,000
Capital Access Checking
Features
- 4 ATM fees refunded per card per calendar month
- Free Money Orders and Treasurer’s Checks
- Debit card
- Free checks for your first order
- Digital Banking and Bill Pay
- Mobile Banking
- Paper statements
- e-Statements
Account Requirements
- $1000 minimum to open
- $20 or qualify for no monthly fee
to qualify for no monthly fee
- Maintain an average ledger balance of at least $25,000 to avoid the $20 monthly service charge
Debit Cards
Debit cards are the best of cash and credit. With your BS&L Discover® debit card, shopping and banking are convenient and secure. Your card works as an ATM card and as a debit card, which means you can perform savings, checking or money market account transactions at any ATM.
Stay within budget
Using your debit card can help you avoid overspending.
No Interest or Fees
When you use your debit card, you can take comfort in knowing you aren’t paying a penny more than the purchase price and don’t have to worry about the credit card interest and fees racking up additional debt.
Convenience
Your debit card offers the same convenience as a credit card and comes without the hassle or worry of carrying too much cash.
Zero Liability Protection
Did you know that your Personal Discover Debit card comes with Zero Liability on unauthorized purchases? You can shop confidently because this feature protects you against unauthorized card use—including online and mobile purchases.
READY TO APPLY FOR A DEBIT CARD?
It's easy to apply. If you'd like to apply online, just Login to your Online Banking account, click on the 'Secure Support' tab, and then click on 'Debit Card Application'.
Don't want to enroll in Online Banking?
Not to worry! You can download the application, instead.
Be sure to mail the completed form (or send by secure email) since it contains personal information including your account number.
* APY = Annual Percentage Yield. APY is effective as of 7/26/23. 2.01% Annual Percentage Yield (APY) paid on balances between $0.00 and $24,999.99, for balances over $25,000 your APY may range between 2.01%-0.21% each cycle the minimum qualifications are met. If you do not meet the qualifications during a given cycle, you will earn the Base Rate of 0.05% APY. We may change the interest rate and APY at any time after the account is opened. Average ledger balance of $500 during the statement cycle is required to earn interest. Minimum deposit of $500 required to open this account. Available for personal accounts only. No monthly service charge. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning the Base Rate; it will not receive ATM Refunds for that time period. Fees may reduce earnings. Unlimited ATM surcharge refunds if qualifications are met. Qualification Criteria - have 20 debit card point of sale transactions post and clear your account each “Qualification Cycle”. Receive your monthly statements electronically (eStatements) and have one Direct Deposit or automatic debit post and clear each “Qualification Cycle.” Qualification Cycle means the period beginning 1 business day prior to the current statement cycle through 1 business day prior to the close of the current statement cycle. Refer to our list of Qualification Cycles by clicking here.
