All personal checking accounts require a minimum $25 deposit to open.

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Edge Checking* E-Choice Checking Simple Checking Preferred Checking Health Savings Account
Monthly Service Charge $10 monthly paper statement fee $6 No
$8 No
Avoid Monthly Service Charge Sign up for eStatements Sign up for eStatements No
$500 average daily balance, or $50,000 in consumer deposits, or consumer loans of $100,000 or more No
Earns Interest No Yes, tiered rate** No Yes, tiered rate
Yes, tiered rate
Debit/ATM Card Yes, no checks available Yes Yes YesYes
Check Images Received No


Overdraft Protection Available*** No

Yes, $500 limit

Yes, $500 limit

Yes, $800 limit No


* $1 fee for over-the-counter withdrawals.

*** Option to opt-in for discretionary Overdraft Protection once qualifications are met; a welcome letter will then be sent explaining the program.

**Each month, qualify to earn a premium interest rate on the first $10,000 and up to $25 in non-BHBT/LSB ATM fee refunds when all monthly qualifiers are met:

  1. Use your debit card for at least 12 purchases (excludes pending and ATM transactions), and
  2. Have at least one electronic (ACH) credit or debit on the account, and
  3. Access Online Banking at least once during the statement cycle, and
  4. Sign up and remain enrolled in eStatements.

NOTE: See Deposit Account Agreement and Deposit Accounts Fee Schedule for additional fees and conditions. 

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