SOLUTIONS THAT MAKE SENSE

At Bright Bank, we know that when it comes to checking accounts, our customers like options. From our Everyday Checking with no minimum balance and no interest, Premium Checking that earns interest and allows for unlimited withdrawals, and the Advantage Money Market with tiered, competitive rates, there is an account for every circumstance.

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EVERYDAY CHECKING

Take advantage of this simple checking account with no minimum balance and lots of free features like online banking, eStatements, bill pay, and mobile deposits. This account is designed for everyday use so you don’t have to worry about minimum balance requirements and other limitations.

FEATURES & BENEFITS:

  • $50 minimum opening deposit
  • No minimum balance requirements
  • Unlimited check writing
  • Free debit card
  • Free eStatements, $5/month for paper statements
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit
  • Overdraft Protection available*

PREMIUM CHECKING

Built for customers who maintain higher balances but want the no-hassle access of a checking account, Bright Bank’s Premium Checking has all the great features of a checking account (like unlimited check writing, online banking, bill pay, eStatements and mobile deposits) but earns interest at the same time.

FEATURES & BENEFITS:

  • $2,500 minimum opening deposit
  • Maintain a $2,500 daily balance to avoid $10 monthly service charge
  • Earns interest
  • Unlimited check writing
  • Free debit card
  • Free eStatements, $5/month for paper statements
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit
  • Overdraft Protection available*

ADVANTAGE MONEY MARKET

Maximize your interest earnings while keeping your funds readily available. Our Advantage Money Market account pays interest based on a tiered balance structure so that the more you save, the more you earn. Call us for rate information.

FEATURES & BENEFITS:

  • $2,500 minimum opening deposit
  • Maintain a $2,500 daily balance to avoid $10 monthly service charge
  • Earns interest
  • Six withdrawals** per statement cycle
  • Free debit card
  • Free eStatements, $5/month for paper statements
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit

HSA ACCOUNTS

Health insurance is a necessity, whether it’s for routine care or something unexpected. So why not make it work to your advantage with a Health Savings Account (HSA). Unlike flexible savings accounts, there’s no scramble to “use it or lose it” at the end of the year. Pre-tax contributions to HSAs are not subject to federal income tax, and expense distributions and earnings are tax-free.*** If you have a high-deductible health insurance plan, a health savings account may be good for your financial health.

FEATURES & BENEFITS:

  • Saving option for those with a high-deductible medical health plan
  • Enables you to save and pay for qualified medical expenses
  • Unlimited check writing, Bill Pay, and an HSA debit card provide you personal control over your healthcare expenses
  • Contributions are tax-deductible
  • You can carry over your HSA balance from year to year
  • Your HSA remains yours even if you change health plans or employers

Compare Personal Checking Accounts

 Everyday CheckingPremium CheckingAdvantage Money Market
Minimum balance to open$50$2,500$2,500
Minimum balance requirementNone$2,500$2,500
Monthly maintenance fee if account falls below minimumNone$10$10
Earns interestNo
Unlimited check writing6**
Free debit or ATM cardATM card only
Online Banking
Bill PayN/A
Mobile Banking
Free Mobile Deposit
Overdraft Protection available*
Free eStatements
Free eNotices
Paper statements with images$5 per month$5 per month$5 per month
*Subject to credit approval.
**An excessive withdrawal fee of $10.00 will be charged for each additional withdrawal or transfer made in excess of 6 during the statement cycle.
***Qualified HSA contributions are tax deductible, and qualified distributions are tax free. Refer to IRS Publication 502 for a list of tax-free (qualified) medical distributions.
Fees may reduce earnings.