Checking and Savings Accounts

Find the account that’s “just right” for you and enjoy all these benefits:

• Convenient locations
  
• Free online banking and bill pay
  
• 24-hour accessibility through BCSB online banking and Direct Teller phone banking service
  
• 18 no-fee BCSB ATMs
  
• Optional Debit VISA® Card
  
  

  Using your Baltimore County Savings Bank 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: 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.
  
  To get started, visit www.uchooserewards.com to set up your user name and password. Have additional questions? Please feel free to call us at 410-256-1331.
  

• Optional overdraft protection (for approved customers)
  
• Optional sweep banking draws automatically transfers funds to avoid overdrafts
  
• Access to thousands of surcharge-free ATMs throughout the U.S. displaying the
  MoneyPass logo
  
• 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

Call 410-256-5000 or click here to have an account representative contact you.

Rates effective Friday, July 30, 2010

Rates and terms are subject to change without notice.

Click on a type of account for more information.

Account	Interest Rate	APY1	Minimum Balance	Monthly Service Fee
Savings Accounts
Passbook Savings	.25%	.25%	$250.00	$5 if balance falls below $250
Statement Savings	.50%	.50%	$250.00	$5 if balance falls below $250
	.50%	.50%	$10,000.00	$5 if balance falls below $250
	.50%	.50%	$20,000.00	$5 if balance falls below $250
IRA Statement Savings	.50%	.50%	$100.00	None
Money Market Passbook	.30%	.30%	$250.00	$5 if balance falls below $250
	.30%	.30%	$10,000.00	$5 if balance falls below $250
	.30%	.30%	$20,000.00	$5 if balance falls below $250

Click here for important Savings Account information.

Account

Interest Rate

APY1

Minimum Balance

Monthly Service Fee

Checking Accounts
Rewards Checking	3.93%	4.00%	Up To $25,000.00	None
	0.995%	1.00%	Over $25,000.00	None
	.10%	.10%	Non-qualified	None
Free Checking	N/A	N/A	None	None
Interest Checking2	.25% with balance of $250	.25% with balance of $250	$250.00	$5.00 if balance falls below $250
Super Checking2	.25%	.25%	$250.00	$8.00 if balance falls below $1,000
	.40%	.40%	$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	.25%	.25%	$250.00	None
	.50%	.50%	$1,000.00	None
	.60%	.60%	$20,000.00	None
Mega Money Market Limited Check Writing	0.75%	0.75%	$25,000.00	None
	0.995%	1.00%	$50,000.00	None
	1.09%	1.10%	$75,000.00	None
	1.14%	1.15%	$100,000.00	None
	1.39%	1.40%	$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.

Click here for important Checking Account information.