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Checking and Savings

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Checking and Savings

Personal checking benefits

The cash in your One Savings account can help you get extra benefits in your personal checking accounts.

Low maintenance growth

Watch your balance grow by setting automatic transfers—we’ll add to it with interest.

Extra overdraft protection

Link your savings account to your personal checking account for Overdraft Protection with no overdraft transfer fees. You’re all good.

Blue Wave Trust Checking has all the benefits you care about—no overdraft fees,5 coverage when you accidentally overspend,6 and a credit card loyalty bonus.7 The best part? The benefits increase as your balances grow. Automatically.

Check us out for value.

When you open a checking account at a bank, you expect great service, dependability and value. What you don’t expect (or need) are strings attached to your account in order to avoid fees.

At Blue Wave Trust, Totally Free Checking really is FREE! Free of minimum balances and hidden weekly, monthly or annual fees. We also have three great interest-bearing accounts to fit your every need. Plus, when you open your new account, you’ll get something else: a free gift to say ‘thank you.’ We’ll also buy back your old checks or debit card from another financial institution and apply a $25 credit to your new account.

*Every new personal checking account includes:

  • FREE Thank you gift
  • FREE eStatements
  • FREE Online Banking & Bill Pay
  • FREE VISA® Debit Card
  • FREE Check Images with statements
  • FREE Mobile Banking with Mobile Check Deposit

Whatever you’re saving for; a dream vacation, college tuition, retirement or simply everyday expenses and future goals, we offer several options to help you meet your savings goals. Open a savings account in person at one of our branches, or conveniently online.

Personal Savings Account

  • Only $2 monthly service charge if minimum balance falls below $100
  • Enjoy unlimited deposits, in-lobby withdrawals and ATM access
  • A withdrawal fee of $1 may apply if the number of transactions exceeds the allowable limits
  • Withdrawals made by electronic transfer or check are limited to 6 per month
  • Your personal savings account may be insured by the FDIC.
  • Have a friend or family member under the age of 18? We offer a FREE savings account for them as well.
  • Link your Personal Savings account to your checking account to cover your overdrafts. We'll transfer from your designated Personal Savings account to avoid any overdraft fees for only $2 per transfer. Sweeps from savings accounts to cover an overdraft are included in the 6 transactions per month.
  • Interest rates may change at any time
  • Fees may reduce earnings on individual accounts

We’re bringing care to banking. You’ll see it in our teammates, products, goals—and even in our origin story. It’s fundamental to who we are, and where we’re going.

Reach Out To Us