Baltimore County Savings Bank Personal Banking

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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
  • 24 no-fee BCSB ATMs
  • Optional VISA check card
  • 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 September 4, 2008

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 .50% .50% $250.00 $5 if balance falls below $250
Statement Savings .50% .50% $250.00 $5 if balance falls below $250
  1.09% 1.10% $10,000.00 $5 if balance falls below $250
  1.24% 1.25% $20,000.00 $5 if balance falls below $250
Money Market Passbook .50% .50% $250.00 N/A
  1.09% 1.10% $10,000.00 N/A
  1.24% 1.25% $20,000.00 N/A

Click here for important Savings Account information.

Checking Accounts
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 None
Senior Gold Checking3 0.25% with balance of $250 0.25% with balance of $250 $250.00 None
Money Market Deposit .25% .25% $250.00 None
  1.50% 1.51% $1,000.00 None
  1.75% 1.77% $20,000.00 None
Mega Money Market
Limited Check Writing
2.00% 2.02% $25,000.00 None
2.25% 2.28% $50,000.00 None
2.47% 2.50% $75,000.00 None
2.76% 2.80% $100,000.00 None
3.20% 3.25% $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.