For us, it’s personal
Talk to a real person to find the right account for you. Whether you're looking for Local Rewards or a Basic Checking account, debit cards to checks, we can't wait to help you get exactly what you want.
Basic Checking
No muss, no fuss checking when you need it and nothing else. If that’s what you’re looking for, that’s our Basic Checking in a nutshell.
Features
- No monthly maintenance fee
- 4 ATM withdrawals at other Bank ATMs each statement cycle*
- No minimum balance required
- Debit card
- Digital Banking and Bill Pay
- Mobile Banking
- eStatements (paper statement subject to a $2.95 fee**)
- FDIC Insured
Account requirements
- $25 minimum to open
*You can make up to 4 ATM withdrawals at other Bank ATMs each statement cycle. Then we charge you $2.00 per transaction. Withdrawals made at Allpoint ATMs are Free.
**Paper statement fee is waived when monthly statement is combined with another account, or when received electronically.
Note: Rates are subject to change without notice, and may change after account opening. Fees may reduce earnings.
local rewards Checking
Local Rewards Checking is like an investment account without locking up your money. Our debit Mastercard gives you instant access to your account, while you’re earning a ridiculously high interest rate. Because being a local should have some perks.
Features
- No monthly maintenance fee
- 4 ATM withdrawals at other Bank ATMs each statement cycle*
- Debit Mastercard®
- Digital Banking and Bill Pay
- Mobile Banking
- eStatements
- FDIC Insured
Account requirements
- $500 minimum to open
account requirements
To receive the Bonus Rate and ATM refunds* all three (3) requirements must be met:
- Receive eStatements
- Have at least 1 direct deposit or ACH debit transaction post and clear per Qualification Cycle1, AND
- Have at least 20 debit card transactions (non ATM transactions) post and clear, each Qualification Cycle
* APY = Annual Percentage Yield. APY is effective as of 10/7/24. 3.25% Annual Percentage Yield (APY) paid on balances between $0.00 and $24,999.99, for balances over $25,000 your APY may range between 3.25%-0.50% each cycle the minimum qualifications are met. The Base Rate & APY is 0.05% if you do not qualify. It is paid on the entire balance in your account for that cycle. We may change the interest rate and APY at any time after the account is opened. Average ledger balance of $500 during the statement cycle is required to earn interest. Minimum deposit of $500 required to open this account. Available for personal accounts only. No monthly service charge. If you do not meet the qualifications per cycle, your account will earn the Base Rate; it will not receive ATM Refunds for that time period. Fees may reduce earnings. A debit card is included with your account. If you have met your qualifications for the specified cycle, we will reimburse you for domestic non-BS&L ATM fees that other banks charge you for using their ATM. Reimbursements will be credited to your account on the last day of your statement cycle. NOTE: ATM withdrawals do not count as qualifying debit card transaction for purpose of earning Rewards with this Account. You can make up to 4 ATM withdrawals at other Bank ATMs each statement cycle. Then we charge you $2.00 per transaction. Withdrawals made at Allpoint ATMs are Free. Qualification Criteria - have 20 debit card point of sale transactions post and clear your account each “Qualification Cycle”. Receive your monthly statements electronically (eStatements) and have one Direct Deposit or automatic debit post and clear each “Qualification Cycle.” Qualification Cycle means the period beginning 1 business day prior to the current statement cycle through 1 business day prior to the close of the current statement cycle. Refer to our list of Qualification Cycles by clicking here.
Note: Rates are subject to change without notice, and may change after account opening. Fees may reduce earnings.
Relationship Checking
Why not get a little something extra for keeping a higher balance in your account? Relationship Checking offers perks like free paper statements, money orders and treasurer’s checks.
Features
- 4 ATM withdrawals at other Bank ATMs each statement cycle*
- Free Money Orders and Treasurer’s Checks
- Free checks for your first order
- Debit Mastercard®
- Digital Banking and Bill Pay
- Mobile Banking
- Free paper statements
- eStatements are available
- FDIC Insured
account requirements
- $1000 minimum to open
- Maintain a combined deposit balance of at least $25,000 to avoid the $20 monthly maintenance fee
TO QUALIFY FOR NO MONTHLY FEE
- Daily balance in checking account of $25,000
- Or combined deposit balances of at least $25,000
*You can make up to 4 ATM withdrawals at other Bank ATMs each statement cycle. Then we charge you $2.00 per transaction. Withdrawals made at Allpoint ATMs are Free.
Note: Rates are subject to change without notice, and may change after account opening. Fees may reduce earnings.
Capital Access Checking
Features
- 4 ATM withdrawals at other Bank ATMs each statement cycle*
- Free Money Orders and Treasurer’s Checks
- Debit Mastercard®
- Free checks for your first order
- Digital Banking and Bill Pay
- Mobile Banking
- Paper statements
- eStatements
- FDIC Insured
Account Requirements
- $1000 minimum to open
- Maintain an average ledger balance of at least $25,000 to avoid the $20 monthly maintenance fee
to qualify for no monthly fee
- Maintain an average ledger balance in checking account of $25,000
*You can make up to 4 ATM withdrawals at other Bank ATMs each statement cycle. Then we charge you $2.00 per transaction. Withdrawals made at Allpoint ATMs are Free.
Note: Rates are subject to change without notice, and may change after account opening. Fees may reduce earnings.
Debit Cards
Debit cards are all about access and we have ATMs at each of our branches and around the community. With your BS&L debit Mastercard® making payments and getting cash is easy, fast and more secure.
Features
- Tap and go! Your debit card is contactless enabled.
- Pay with your phone! Your debit card works with Apple Pay® and Google Pay™
- Accepted worldwide: Mastercard is accepted in over 210 countries.
- Allpoint Network: No-fee ATM access at over 55,000 ATMs nationwide.
traveling outside new England?
If you’re planning on traveling outside New England, please let us know a day or two before you leave, so your card can be activated. Call us at (888) 806-6400 during regular business hours, or stop by one of our local offices.
foreign travel
Please let us know a day or two before you leave, if you're planning to use your card overseas, and it's always good to have backup forms of payment, just in case. Call us at (888) 806-6400 during regular business hours, or stop by one of our local offices.
Ready to aPPLY FOR A DEBIT CARD?
It's easy to apply. If you'd like to apply online, just Login to your Online Banking account, click on the 'Secure Support' tab, and then click on 'Debit Card Application'.
Don't want to enroll in Online Banking?
Click on the button below, and download the application, instead.
Be sure to mail the completed form (or send by secure email) since it contains personal information including your account number.
