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 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 Mobile Banking App.

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

Online Banking with Checkfree Bill Payment and Popmoney 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 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 Free Checking

Our basic checking account has no minimum daily balance and no monthly account maintenance fees.

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.

* 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.