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Checking and Savings Accounts

Checking Accounts

We offer four options for Personal Checking accounts, outlined below. Come into any Baker Boyer branch location and ask to speak with a Personal Banker to learn more and to figure out which one is best for you. Or click here to view or print a comparison chart. This page outlines the range of account access options. 

eSolutions (Online Banking and eStatements Required)

  • Opening Balance: $100
  • Service Charge: No monthly service charge. After 3, 50-cents per check. $6 monthly service fee for paper statements*
  • Other Account Fees: No Baker Boyer-imposed fee for debit card & ATM transactions. 
  • Interest: N/A

Regular

  • Opening Balance: $100
  • Service Charge: $12 monthly service charge, waived with a minimum daily balance of $750
  • Other Account Fees:  No Baker Boyer-imposed fee for debit card & ATM transactions. 
  • Interest: N/A

Merit (62+ years)

  • Opening Balance: $100
  • Service Charge: $5 monthly service charge, waived with a minimum daily balance of $100
  • Other Account Fees:  No Baker Boyer-imposed fee for debit card & ATM transactions. 
  • Interest: N/A

Interest

  • Opening Balance: $5,000
  • Service Charge: $12 monthly service charge, waived with a minimum daily balance of $5,000
  • Other Account Fees: No Baker Boyer-imposed fee for debit card & ATM transactions.
  • Interest: Interest is earned daily & paid monthly on collected balance, if greater than $5,000.

*There is a $6 monthly service fee for eSolutions customers who choose paper statements. There is no charge for electronic statements which are available through Online Banking.

Savings Accounts

We offer four options for Personal Savings accounts, outlined below. Come into any Baker Boyer branch location and ask to speak with a Personal Banker to learn more and to figure out which one is best for you. Or click here to view or print a comparison chart. 

Regular

  • Opening Balance: $100
  • Service Charge: $5 monthly service charge, waived with a minimum daily balance of $400
  • Other Account Fees:  No Baker Boyer imposed fee for debit card & ATM transactions. 
  • Interest: Interest is earned daily and paid quarterly on collected balance, if greater than $400.

Minor (under age 21)

  • Opening Balance: $25
  • Service Charge: $5 monthly service charge, waived with a minimum daily balance of $25
  • Other Account Fees: No Baker Boyer-imposed fee for debit card & ATM transactions. No-fee ACH transactions. 
  • Interest: Interest is earned daily and paid quarterly on collected balance, if greater than $25.

Merit (62+ years)

  • Opening Balance: $100
  • Service Charge: $5 monthly service charge, waived with a minimum daily balance of $100
  • Other Account Fees:  No Baker Boyer-imposed fee for debit card & ATM transactions. No-fee ACH transactions. 
  • Interest: Interest is earned daily and paid quarterly on collected balance, if greater than $100.

Money Market Gold

  • Opening Balance: $5,000
  • Service Charge: $15 monthly service charge, waived with a minimum daily balance of $5,000
  • Other Account Fees: No Baker Boyer-imposed fee for debit card & ATM transactions. No-fee ACH transactions.
  • Interest: Interest is earned daily & paid monthly on collected balance. Rates subject to change daily. Interest-based on current ledger balance tiers.** 

We reserve the right to not pay accrued interest if account is closed prior to payment date.

*Interest Balance Tiers

$0 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $249,999.99
$250,000.00 and over