You want a free checking account that pays really high interest.1
18+
$25
None
None
Earn 0.05% Annual Percentage Yield if qualifications aren’t met1,2
Yes1
Included, along with Bill Pay4
Included, along with Bill Pay4
Included4
You want a free checking account that pays you cash back for making debit card purchases.1
18+
$25
None
None
None
Yes1
Included, along with Bill Pay4
Included, along with Bill Pay4
Included4
You want a basic checking account that does not earn interest.6
18+
$50
None
None
None
None
No
N/A
Included, along with Bill Pay4
Included, along with Bill Pay4
Included4
You want a checking account that offers competitive interest and several ways to avoid the monthly service charge.6
18+
$100
$11
Yes10
None
No
N/A
Included, along with Bill Pay4
Included, along with Bill Pay4
Included4
You are a minor who wants a free checking account1
13-17
(Requires adult over 18 as joint owner)
$25
None
None
None
None
No
N/A
Included4
Included4
Included4
All accounts subject to approval. Restrictions and limitations may apply.
Information is accurate as of August 1, 2024.
Footnotes for Personal Deposit Accounts at BAC Community Bank
1Rates and rewards are variable. At any time and at the discretion of BAC Community Bank rates, qualifications, and rewards may change after account is opened. Fees may reduce earnings. Refer to the Personal Deposit Accounts Fee & Information Schedule for additional information. See our current Monthly Kasasa Qualification Calendar available from any branch or online at www.bankbac.com/kasasa-calendar.
2 Annual Percentage Yield. Information and Annual Percentage Yields are accurate as of 8/1/2024. When linked to Kasasa Saver, the interest in the Kasasa Cash account does not compound in the account since it is transferred into the Kasasa Saver account. The Kasasa Saver APYs may be less than the Kasasa Cash APYs.
3Sample calculations for rewards earned on Kasasa Cash and Kasasa Saver accounts are based on an assumed account balance of $10,000 + $100,000 and an assumed statement cycle of 31 days. Since any portion of an account balance over $10,000 earns a lower interest rate when qualifications are met, higher balance accounts may earn a lower compounded Annual Percentage Yield than the examples given.
4Service included at no charge. Customer may need to initiate use of the service by enrolling in or requesting the service.
5Transaction Limitations: Savings and money market accounts are designed to help households set aside and save funds as needed. These accounts are not transaction accounts therefore no more than 6 withdrawals of any type are permitted during your monthly statement cycle.
If you regularly exceed 6 withdrawals of any type during a statement cycle, BAC Community Bank may convert your savings or money market into a checking account or may close your account.
There are no limits on the number of deposit transactions..
6At any time and at the discretion of BAC Community Bank standard features and account requirements may change after account is opened.
7Maximum of two linked accounts, which may be any combination of Select Savings or Select Money Market; balances used will be current balances in linked accounts on the statement cycle date.
8Select Savings accounts closed within the first 90 days will be assessed a $10 early closure fee.
9Certificates of Deposit are term accounts subject to early withdrawal penalties. Please refer to the Personal Deposit Accounts Fee & Information Schedule and the Truth In Savings Disclosure for details.
10Minimum balance may apply. Please contact us or visit your local branch for current rate information. At our discretion, the bank may change variable interest rates and annual percentage yields (APY). The current interest rate, APY, balance and tier requirements associated with our accounts are documented in our Deposit Rate Schedule.
11The Certificate of Deposit interest rate and annual percentage yield are fixed for the term of your account. Minimum balance may apply. Please contact us or visit your local branch for current rate information.
