Checking Accounts
We offer five options for Personal Checking Accounts, outlined below. Visit any Baker Boyer branch location and ask to speak with a Personal Banker to learn more and determine which one is best for you. Explore our checking account access options available to you, including various online banking features, deposit options, and other account tools.
eSolutions Checking
- • Online Banking and eStatements Required
- • Opening Balance: $100
- • No monthly service charge
- • After writing 3 checks, there's a 50-cent fee per check
- • $6 monthly fee for paper statements*
- • No Baker Boyer-imposed fee for debit card & ATM transactions
- Interest: N/A
Regular Checking
- • Opening Balance: $100
- • $12 monthly service charge, waived with a minimum daily balance of $750
- • No Baker Boyer-imposed fee for debit card & ATM transactions
- • No-fee ACH transactions
- Interest: N/A
Minor Checking
- • Under age 21
- • Opening Balance: $25
- • No monthly service charge
- • Checks cannot be issued from this account
- • $6 monthly fee for paper statements*
- • No Baker Boyer-imposed fee for debit card & ATM transactions
- • No-fee ACH transactions
- Interest: N/A
Merit Checking
- • 62+ Years
- • Opening Balance: $100
- • $5 monthly service charge, waived with a minimum daily balance of $100
- • No Baker Boyer-imposed fee for debit card & ATM transactions
- Interest: N/A
Interest Checking
- • Opening Balance: $5,000
- • $12 monthly service charge, waived with a minimum daily balance of $5,000
- • No Baker Boyer-imposed fee for debit card & ATM transactions
- • Interest is earned daily & paid monthly on collected balance, if greater than $5,000
Money Market Accounts
We offer two options for Money Market Accounts, outlined below. Visit any Baker Boyer branch location and ask to speak with a Personal Banker to learn more and determine which one is best for you. Explore our checking account access options available to you, including various online banking features, deposit options, and other account tools.
Companion Money Market**
- • Opening Balance: $5,000
- • $15 monthly service charge waived with minimum daily balance of $5,000
- • No Baker Boyer-imposed fee for debit card & ATM transactions
- • Interest is earned daily and paid monthly on collected balance if greater than $5,000. Interest is based on interest balance tiers***
Money Market Gold
- • Opening Balance: $5,000
- • $15 monthly service charge waived with minimum daily balance of $5,000
- • No Baker Boyer-imposed fee for debit card & ATM transactions
- • Interest is earned daily and paid monthly on collected balance. Rates are subject to change daily. Interest based on current ledger balance tiers***
Compare Baker Boyer Checking and Savings Accounts on a single page to review features, fees, and benefits side by side.
For ACH or Direct Deposit transactions, please ensure your Money Market account is marked as a checking account. If marked as savings, your transaction will be rejected. We reserve the right to not pay accrued interest if account is closed prior to payment date.
*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.
**Account is paired with Certificate of Deposit, maximum balance can not be greater then the accompanying CD(s), no checks or debit card offered with this account.
***Interest Balance Tiers
$0 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $249,999.99
$250,000.00 and over
