Personal Checking

A good checking account should fit. It should be comfortable, reliable, and just the right size for you. With BOM, you can pick the account that fits you best, then start enjoying benefits carefully tailored to your lifestyle.

Premium Checking

Premium checking that pays high interest
4.09% APY* on balances up to $15,000 if qualifications are met
.15% APY on account balances of non-qualified account
.20% interest paid for qualified account Balances greater than $15,000
Refunds on ATM fees, nationwide (up to $20 monthly)*
No minimum balance required
No monthly service fee
Free online banking with bill pay
Free online statements
Free mobile banking
Free VISA® debit card
FDIC insured up to $250,000
$100 minimum deposit to open

To earn your rewards, just do the following transactions and activities in your BOM Premium account during each Monthly Qualification Cycle:

Have at least 1 automatic payment (ACH) or direct deposit transaction post and settle
Have at least 20 debit card purchases post and settle
Be enrolled in and agree to receive online statements
Be enrolled and access online banking and/or Mobile App

No sweat! Even if you don’t meet your qualifications during the cycle, your BOM Premium account will still earn .15% APY.

*Account transactions and activities may take one or more days to post to the account and all must do so during the Monthly Statement or Qualification Cycle in order to qualify. The following activities do not count toward earning account qualifications: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by BOM as ATM transactions and purchases made with non-BOM Bank issued debit cards. “Monthly Statement or Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. When your BOM Premium account qualifications are met during a Monthly Statement or Qualification Cycle, the following qualifications will be distributed to your account(s): BOM Premium Account: (1) Balances up to $15,000 receive APY of 4.09%. ATM Fee Reimbursements: You will receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Statement or Qualification Cycle. When your BOM Premium account qualifications are not met, all balances in the BOM Premium account earn a non-compounding APY of 0.15%. APY = Annual Percentage Yield. APYs accurate as of 6/26/2017. APY calculations are based on an assumed total account balance of the cap of $15,000. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. Rates may vary by account. $100 minimum deposit is required to open the account. Monthly direct deposit or third-party ACH automated debit, enrollment in online banking, receipt of electronic statements, and 20 debit card transactions posted are conditions of the BOM Premium account. Enrollment in electronic services (e.g. online banking and electronic statements may be required to meet some of the account’s qualifications.) Limit 1 account per social security number. Corporations, partnerships, and non-profit organizations are not eligible. There are no recurring monthly service charges or fees to open this account. If the account remains at a zero balance for more than thirty business days, it will automatically close. For additional fees that may affect this account, see the standard fee schedule disclosed separately. Contact a BOM service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC

Collegiate Checking

Valid College Student ID required
No minimum to open
No minimum balance to maintain
$2.00 Monthly Service Charge**
Unlimited check writing
Free online banking and Bill Pay
Free BOM Mobile App
Direct deposit available

**Online statement activation required to avoid the $2.00 monthly service charge. See BOM representative for more information.

Economy Checking

Non-interest bearing checking account
Available to individuals only
A minimum of $100.00 required to open account
Unlimited check writing
Monthly statement mailed directly to you
Direct deposit available
If at any time during the statement cycle the daily balance falls below $500.00, there is a $7.50 service charge.

Bonus Checking

Tiered Interest method
Available to individuals, unincorporated businesses and non-profit/non-government organizations
A minimum of $100.00 required to open account
To earn Annual Percentage Yield (APY) you must maintain a $2,500 minimum daily balance each day in the statement cycle
Unlimited check writing
Direct deposit available
If at any time during the statement cycle the daily balance falls below $2,500.00 there is a $15.00 service charge per statement cycle

EZ Checking

Visa Debit Card
$0 to open
$0 monthly maintenance fee
No overdraft or NSF fee
No low balance fee, account activation, closure or inactivity fees
Free branch access, free telephone banking, and free online banking
Free bill pay
Free check cashing
Free mobile banking and alerts
Free electronic monthly statements

Money Market Account

Interest bearing checking account
A minimum of $2,500.00 required to open account
To earn Annual Percentage Yield (APY) you must maintain a $2,500 minimum daily balance each day in the statement cycle
Direct deposit available
If at any time during the statement cycle the daily balance falls below $2,500.00 there is a $10.00 service charge per statement cycle

Online Banking