Protecting Your Personal Information
Personal Checking
At Bath Savings we’re proud to offer checking services you can feel at home with and policies that keep you in mind.
- Our general policy is to allow you to withdraw funds deposited to your account immediately upon deposit. (In some cases, we may delay your ability to immediately withdraw funds. In those cases the funds will generally be available by the fifth business day after the day of deposit.)
- We issue your ATM/Debit Card within days
- Checks are cleared from smallest to largest, helping prevent overdrafts
- We don’t put unnecessary holds on your checks
[Basic Checking]
[Regular Checking]
[eChecking NOW]
[NOW Checking]
[Senior Checking]
[Packard checking]
Our Bath Savings Neighbor to Neighbor services.
- Online Banking
- Free Online Bill Pay for eChecking and Packard NOW Accounts *
- Free Mobile Banking with your internet-ready cell phone
- ATM/MasterMoney™ Debit Card
- Telephone Banking anytime, anywhere 1-800-964-8108 (toll-free U.S. and Canada)
- Free checking account for first mortgage customers
* $5 monthly fee for Bill Pay with all other checking accounts
Find the account that’s right for you.
Basic Checking
First checking account? Check this out!
- No minimum balance
- Write up to eight checks per month–$.50 per check for additional checks
- With a minimum deposit of $100, new accounts receive our $10 Neighbor to Neighbor Gift Certificate *
- $2 monthly service charge
- $25 minimum deposit to open the account
Regular Checking
Ideal if you maintain a low monthly balance
- Unlimited check writing
- New accounts receive our $10 Neighbor to Neighbor Gift Certificate *
- Minimum balance of $300 checking or a $500 savings account
- Monthly service charge of $6.50 if minimum balance not maintained
- $100 minimum deposit to open the account
eChecking NOW
Open an account and make a difference. When you open a new eChecking account with us, you’ll make a difference. We’ll donate $25 to one of the area’s great local non-profits and you’ll receive a $10 Neighbor to Neighbor Gift Certificate to use at a business that banks with us.
- Free Online Banking and Bill Pay
- No minimum balance
- New accounts receive our $10 Neighbor to Neighbor Gift Certificate *
- Interest** is paid each day you maintain a minimum balance of $500
- Recycled paper checks are available
- Electronic statement delivery is required
- No monthly service charge
- $100 minimum deposit to open the account
NOW Checking
Earn interest** on your account
- Unlimited check writing
- New accounts receive our $10 Neighbor to Neighbor Gift Certificate * for both regular NOW and Super NOW accounts
- Minimum balance $500
- Monthly service charge of $6.50 if minimum balance not maintained
- Super NOW Account available with higher interest rate and $2,500 daily minimum balance (ask for details)
- $100 minimum deposit to open the account
Senior Checking
Free checking for customers 55 and older
- Unlimited check writing
- New accounts receive our $10 Neighbor to Neighbor Gift Certificate *
- No minimum balance
- No charge for BSI logo checks
- No monthly service charge
- $100 minimum deposit to open the account
Packard Checking
- Free NOW account** with premium services
- Free Online Banking and Bill Pay
- New accounts receive our $10 Neighbor to Neighbor Gift Certificate *
- Preferred ATM withdrawal limit of $600 per day
- Debit card limit up to $5,000 a day for balances in the account
- $100 minimum deposit to open the account
- Free checks
- Preferred rates on Certificates of Deposit, consumer loans and safe deposit box rental
The Packard Account is available to anyone 18 years or older who qualifies by maintaining a $10,000 combined deposit balance (checking, savings, CDs, and/or IRA) at Bath Savings Institution or a Bath Savings Trust Company relationship. If the combined balance falls below $10,000, there will be a $15 monthly service charge.
* Offer limited to one per new account.
** 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.