Personal Checking Accounts

At BOS, we know each customer has unique needs. That’s why we offer a wide variety of checking accounts, featuring a wide range of options. Not sure which account is best for you? Not to worry. One of our personal bankers will match you with a plan that’s perfect for you.

Order Checks

With BOS, Personal Checking Means Personalized Service


BOS gets to know you and your needs and then connects you with the best checking solution. Whether you want to manage multiple accounts or streamline your payment process, BOS is with you every step of the way to make things easy.

Get Simple Checking That’s Full of Features


BOS checking accounts offer a wide array of features to help you save time and money:

Mobile Banking is easier than ever with the BOS Mobile Banking App and Mobile Deposit. Deposit checks in a snap, transfer money and pay bills all from your mobile phone.

Manage My Cards with Card Secure gives you the power to protect your BOS debit card from fraud. Instantly turn off a lost card, receive text alerts for transactions and set transaction amount or location limits easily using the BOS Card Secure App.

Overdraft Protection including Overdraft Privilege and Instant Check Line-of-Credit cover occasional overdrafts. (Fees apply. See a personal banker for details.)

Online Banking with Checkfree Bill Payment and Zelle® allow you to manage your accounts, transfer funds, pay bills and pay people.

*Some services are subject to credit approval. See a personal banker for more information.

Finally, there’s a simple way to switch your checking account.


ClickSWITCH is the fast and safe way to switch direct deposits and automatic payments to your new or existing BOS account.

How it works:

  1. Login to the free online solution.
    To get started, call or stop by a BOS branch and speak to a personal banker to receive your activation code. Login to ClickSWITCH at https://bankwithbos.clickswitch.com and in a few clicks, you’ll activate this secure online solution.

  2. Switch your direct deposits and automatic payments.
    Use your old account to find and switch recurring transactions.

  3. Get notifications as it works for you. Using ClickSWITCH is easy.

    • No need to track down payments or fill out paperwork
    • Track switches and receive real time switch notifications
    • Initiate the closure of your previous account(s)

Visit any BOS branch or call and speak to a personal banker to get started today.

Which account is right for you?


The table below lets you quickly compare BOS checking accounts to see which one is right for you.

BOS Checking

Our basic checking account has no minimum daily balance. Sign up for free eStatements and receive a $2.50 monthly credit to offset the $2.50 monthly maintenance fee.

BOS Checking Plus

BOS Checking account PLUS Identity Theft Protection and more! Sign up for free eStatements in Online Banking to receive a $2.50 monthly credit.

Personal Interest Checking

An interest-bearing account tiered to pay a higher rate on higher balances.

Personal Power Interest Checking

With this account your checking and savings are combined, allowing for unlimited check writing.

Classic 50 Interest Checking

Customers 50 years of age or better are eligible for this interest-bearing checking account.

BOS Checking Plus

BOS Checking Plus makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases.

  • IDProtect®1 Identity Theft Protection with daily credit file monitoring2 and comprehensive fraud protection & resolution services. (registration/activation required)
  • Cellular Telephone Protection3: Receive up to $400 of repair or replacement cost if your cell phone is stolen or damaged. Cellular telephone bill must be paid using eligible account.)
  • Accidental Death & Dismemberment Insurance3: Coverage of up to $10,000.
  • Debit Advantage®: Receive Buyer’s Protection3 & Extended Warranty3 for items purchased with this account.
  • Health Discount Savings: Enjoy savings on vision, dental services, and prescriptions. This is NOT insurance. (registration/activation required)
  • $hopping Rewards™: Earn cash rewards when you shop online at dozens of your favorite retailers. (registration/activation required; available online only)
  • Travel and Leisure Discount Membership: Save big with deep discounts at thousands of local and national businesses. (registration/activation required; available online only)
  1. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
  2. Credit file monitoring may take several days to begin following activation.
  3. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage provided through the company named in the Guide to Benefit or on the insurance document.

Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.


* Credit approval required on all deposit accounts.

** 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.