Checking Accounts

Rates effective Thursday, May 17, 2012

Rates and terms are subject to change without notice.

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
  .25% .25%
$20,000.00
 None
Mega Money Market
Limited Check Writing 		0.40% 0.40%
$25,000.00
 None
0.45% 0.45%
$50,000.00
 None
0.50% 0.50%
$75,000.00
 None
0.55% 0.55%
$100,000.00
 None
0.60% 0.60%
$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.

Rewards Checking
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
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
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
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
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
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.