Checking Accounts

Rates effective Thursday, February 23, 2012

Rates and terms are subject to change without notice.

Click on a type of account for more information.

Checking Accounts
Account	Interest Rate	APY1	Minimum Balance	Monthly Service Fee
Rewards Checking	1.98%	2.00%	Up To $25,000.00	None
	.25%	.25%	Over $25,000.00	None
	.10%	.10%	Non-qualified	None
Free Checking	N/A	N/A	None	None
Interest Checking2	.10% with balance of $250	.10% with balance of $250	$250.00	$5.00 if balance falls below $250
Super Checking2	.10%	.10%	$250.00	$8.00 if balance falls below $1,000
	.20%	.20%	$1,000.00	$8.00 if balance falls below $1,000
Senior Gold Checking3	0.25% with balance of $250	0.25% with balance of $250	$250.00	$5.00 if account requirements are not met
Money Market Deposit	.10%	.10%	$250.00	None
	.20%	.20%	$1,000.00	None
	.30%	.30%	$20,000.00	None
Mega Money Market Limited Check Writing	0.55%	0.55%	$25,000.00	None
	0.60%	0.60%	$50,000.00	None
	0.65%	0.65%	$75,000.00	None
	0.70%	0.70%	$100,000.00	None
	0.75%	0.75%	$250,000.00	None

¹APY=annual percentage yield. Rates are effective as of the date noted above and may change after account is opened.

² Fees may reduce earnings.

³ Must be 55 or older and have at least one other BCSB deposit account.

Find the account that's "just right" for you and enjoy all of these benefits:

• Convenient locations
• Free online banking and bill pay
• 24-hour accessibility through BCSB online banking and Direct Teller phone banking service
• 17 no-fee BCSB ATMs
• Optional Debit VISA® Card
  
  
  
  Using your BCSB Debit VISA Card is very rewarding!
  Our UChoose Rewards® program gives you practically unlimited ways to redeem all the points you earn using your BCSB Debit VISA Card.
  
  Here’s how it works: Visit www.uchooserewards.com to set up your user name and password. Every time you use your BCSB Debit VISA Card for signature transactions, you will earn points! These points can then be redeemed for well, just about anything—it’s your choice! Choose from millions of options—whether it’s products, travel experiences, activities, event tickets—a vast online rewards catalog filled with practically unlimited options awaits you.
  
  Have additional questions? Please feel free to call us at 410.256.1331.
  
  
• Optional overdraft line of credit (for approved customers)
• Optional sweep automatically transfers funds to avoid overdrafts
• Access to thousands of surcharge-free ATMs throughout the U.S. displaying the MoneyPass logo
• Free monitoring of ATM and debit card transactions for potentially fraudulent activity
• Extra security for online transactions through Verified by VISA. By registering and selecting a password, you ensure that even if your VISA card is stolen or copied it cannot be used without knowing your password. Register for free today.

For more information about BCSB checking products, call 410.256.5000 or click here.

Rewards Checking
Enjoy no monthly service charge and no minimum balance. High interest earned when activity requirements are met. Click here for product details.
APY means Annual Percentage Yield. Rewards Checking requires a $25 minimum balance to open and is available on personal checking accounts only. 2.00% APY earned on balances up to and including $25,000 for each statement cycle the minimum requirements are met. Balances over $25,000 earn .25% APY. If requirements are not met, all balances will earn 0.10% APY. Rates are effective September 2, 2011. Rates on checking accounts may change after account is opened. Interest is computed from day of deposit to day of withdrawal, compounded daily and paid monthly. ATM fees apply. ATMs accessed within the United States outside of the MoneyPass network will automatically receive ATM refunds up to $15 per statement cycle when the minimum requirements are met for Rewards Checking. Minimum requirements to earn maximum APY include 12 debit card purchases (excludes ATM transactions), e-statements, online banking established and accessed at least once per statement cycle, and one direct deposit or ACH auto debit per statement cycle. Account subject to bank's standard service fee schedule. Fees incurred could reduce earnings. Limit one account per household.

Free Checking
No minimum balance, no monthly service charge, unlimited check writing and four free non-BCSB ATM withdrawals each month. Optional eStatements available.
Free Checking accounts do not earn interest, are not required to maintain a minimum balance and are not assessed a monthly service fee.

Senior Gold Checking
An account specially designed for customers 55 years of age or older. Enjoy free checks, free money orders and bank checks and a 50% discount on safe deposit box rentals. No monthly service charge when account requirements or combined relationship balances are met. Optional eStatements available.
APY means Annual Percentage Yield. To qualify for Senior Gold Checking you must be 55 or older. A $250 minimum balance must be maintained in the Senior Gold Checking account to earn interest. To avoid a $5 monthly fee on Senior Gold Checking a $250 balance must be maintained in the account, have one direct deposit to your checking account during the statement cycle, or maintain a combined balance in BCSB accounts totaling $250 or more. Check styles are limited for free checks. Rates on checking accounts may change after account is opened. Interest is computed from day of deposit to day of withdrawal, compounded daily and paid monthly.

Interest Checking
Earn interest on account balances with the flexibility of unlimited check writing and four free non-BCSB ATM withdrawals each month. No monthly service charge when balance requirements are met. Optional eStatements available.
APY means Annual Percentage Yield. A fee of $5 will be assessed monthly to Interest Checking accounts if the balance falls below $250. Rates on checking accounts may change after account is opened. Interest is computed from day of deposit to day of withdrawal, compounded daily and paid monthly.

Super Checking
Earn tiered interest rates based on higher balances. No monthly service charge when balance requirements are met. Enjoy unlimited check writing and four free non-BCSB ATM withdrawals each month. Optional eStatements available.
APY means Annual Percentage Yield. A fee of $8 will be assessed monthly to Super Checking accounts if the balance falls below $1,000. Rates on checking accounts may change after account is opened. Interest is computed from day of deposit to day of withdrawal, compounded daily and paid monthly.

Money Market Deposit Accounts
Earn high interest on your deposits with no monthly service charge. Limited check and transfer privileges allowed per month, with a $500 minimum check or transfer. No additional fees when monthly check and transfer limitations are maintained. Optional eStatements available.
APY means Annual Percentage Yield. Money Market Deposit Accounts allow an unlimited amount of in-branch withdrawals at a minimum of $500 each. Accounts are limited to six debits per statement cycle at a minimum of $500 each. A $15 fee may be assessed per cycle for withdrawals or transfers exceeding the limit. Fees may reduce earnings. Rates on money market deposit accounts may change after account is opened. Interest is computed from day of deposit to day of withdrawal, compounded daily and paid monthly.