Scams and Fraud

Scams continue to be on the rise, but there are a few precautions you can take to protect yourself. While there are never any guarantees against becoming a victim, we recommend the following actions:  Don't share your private/personal financial information with anyone you don't know; shred sensitive papers; monitor your accounts regularly; monitor your credit report; protect your computer; report suspected bank fraud to us immediately.

Secure Online Banking

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Regular Savings

Our Regular Savings accounts earn a competitive rate of interest for all bank customers. (1,2)

Features include:

  • $100 minimum balance to open and to avoid a maintenance fee

Student Savings

The Student Savings account earns interest for those individuals less than 18 years of age. (2)

Features include:

  • No minimum balance to open or to avoid charges

Christmas Savings

Our Christmas Savings account allows our customers the convenience of saving money for the holiday season.(2)

Features include:

  • No minimum balance to open
  • Earns interest on the entire account
  • Must have other checking or savings account to qualify

Premier Money Market Checking

Earn a premium rate of interest with the flexibility to access your money when you need it. (2)

Features include:

  • Earns a tiered rate of interest on balances of $5,000 or more
  • Monthly service charge of $10.00 per month if account drops below minimum balance of $5,000
  • Free ATM or CheckCard*
  • Web and Telephone Banking

(1) $100 minimum balance is required to avoid a $3 per quarter maintenance fee.
(2) Federal regulations allow you to make any number of withdrawals and transfers in person, at ATMs, or by mail
 monthly or every statement cycle. However, you may not make more than six (6) other types of transfers (including by telephone request, pre-authorization, BOC OnCall, and BOC Online) monthly or every statement cycle. There is a $1.00 excessive item charge for all savings accounts. There is a $5.00 excessive item charge for the Premier Money Market Account.