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.
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*
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 Checking | Premium Checking | Advantage Money Market | |
|---|---|---|---|
| Minimum balance to open | $50 | $2,500 | $2,500 |
| Minimum balance requirement | None | $2,500 | $2,500 |
| Monthly maintenance fee if account falls below minimum | None | $10 | $10 |
| Earns interest | No | ||
| Unlimited check writing | 6** | ||
| Free debit or ATM card | ATM card only | ||
| Online Banking | |||
| Bill Pay | N/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 |