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Personal Checking

OUR CHECKING OPTIONS SIDE-BY-SIDE

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.


Compare Easy Checking* Choice Checking Money Market Checking
Teen Bridge Checking
Campus Checking
Senior
Checking
Military Checking
Rewards
Checking
Rewards Plus
Checking
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
††††
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%
0.10% ($5,000+)
0.20% ($10,000+)
0.30%
($50,000+)
None None 0.35% None 0.51% 1.02%
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
Monthly Image Statements, BCB Debit/ATM, 
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

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.
18+ to apply
18+ to apply

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 7/1/2020.

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.

Savings Footer Image

At BCB, we make
savings easy.

We know that different people have different needs when it comes to savings accounts.
Click here to learn about the variety of options we offer.