Personal Checking Accounts
More value, greater convenience, and responsive service: just three reasons why checking is better here.
Why our customers love checking with us
- Convenient 24/7 account access
- Free Burke & Herbert Bank Visa® Debit Card
- Fee free transactions at Burke & Herbert Bank and AllPoint ATMs
- Convenient Digital Banking
- Free eStatements via Digital Banking
- Great customer service
Fast, Secure, and Contact-Free Payments
Enroll your Burke & Herbert Bank Visa Debit Card in a digital wallet app – Apple Pay, Google Pay, or Samsung Pay – on your smartphone or another mobile device to make fast, contact-free, and safe mobile payments. There’s no need to carry your physical card or wallet or touch the payment terminal at checkout!
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A BASIC, NO-FUSS CHECKING ACCOUNT DESIGNED FOR SIMPLE EVERYDAY BANKING NEEDS
- Minimum to open: $25.00
- Unlimited check writing and deposit transactions
- Conduct at least 1 Debit Card POS (point-of-sale) transaction or have at least 1 Direct Deposit (Payroll or retirement Social Security) per statement cycle to avoid a $10 monthly fee
- Fee free transactions at Burke & Herbert Bank and AllPoint ATMs
- $2.50 withdrawal fee at non-Burke & Herbert Bank ATMs
- Free Digital and Mobile Banking
- Free eStatements; paper statements by mail $2 per month
A CHECKING ACCOUNT THAT’S NOT ONLY CONVENIENT – IT’S FREE OF MINIMUM BALANCE REQUIREMENTS AND MONTHLY FEES TOO!
- Minimum to open: $25.00
- No Monthly Maintenance Fee
- Overdraft Privilege Program Available
- Fee free transactions at Burke & Herbert Bank and AllPoint ATMs
- Enjoy ATM fee rebates when your Convenient Checking Account is enrolled in eStatements*
- Receive ATM fee rebates of up to $12 on the first six out-of-network ATM withdrawals per month. After that, $2 for each additional withdrawal.
- Additionally, receive up to $20 in ATM surcharge rebates (the fees accessed by other ATM owners) per month
*ATM fee and surcharge rebates are processed at the end of the statement cycle.
EVERYDAY BANKING CONVENIENCE PLUS INTEREST ON YOUR CHECKING BALANCES
- Minimum to open: $50.00
- $1,000 minimum daily collected balance and eStatements required to avoid a $5 monthly maintenance fee
- Tiered variable rate interest-earning checking account
- Minimum balance to earn interest: $1,000; Interest compounded monthly
- Overdraft Privilege Available
- Fee free transactions at Burke & Herbert Bank and AllPoint ATMs
- Enjoy ATM fee rebates available when your Convenient Checking with Interest Account is enrolled in eStatements*
- Receive ATM fee rebates of up to $12 on the first six out-of-network ATM withdrawals per month. After that, $2 for each additional withdrawal.
- Additionally, receive up to $20 in ATM surcharge rebates (the fees accessed by other ATM owners) per month
*ATM fee and surcharge rebates are processed at the end of the statement cycle.
DESIGNED FOR CLIENTS THAT ARE AGE 55 AND OVER — ENJOY AN INTEREST-EARNING CHECKING ACCOUNT WITH ADDED PERKS.
- Minimum to open: $50.00
- No monthly maintenance fee
- Tiered variable rate interest-earning checking account
Minimum balance to earn interest: $0.01 - Interest compounded monthly
- Free basic checks (Wallet-Oxford W-OX) or $5 discount on check order
- $15 off annual Safe Deposit Box rental
- Overdraft Privilege Program Available
- Fee free transactions at Burke & Herbert Bank and AllPoint ATMs
DISCOVER THE PERFECT PAIR WITH OUR ELITE ACCOUNTS: AN EASY-TO-USE CHECKING ACCOUNT ALONGSIDE A HIGH-YIELD SAVINGS ACCOUNT.
- Elite Savings account with the same primary ownership is required to qualify for benefits
- Minimum to open: $50.00 ($25 for Elite Checking and $25 for Elite Savings)
- No monthly maintenance fee
- Overdraft Privilege Program Available
- Fee free transactions at Burke & Herbert Bank and AllPoint ATMs
- $2 withdrawal fee at non-Burke & Herbert Bank ATMs
- Enjoy up to $20 in ATM surcharge rebates (the fees accessed by other ATM owners) per statement cycle when you enroll your Elite Checking Account in eStatements AND make at least five (5) Debit Card POS transactions per statement cycle.*
*Elite Checking is eligible for up to $20 in ATM surcharge rebates per statement cycle; rebate will post at the end of the statement cycle. Must qualify with eStatements and at least 5 Debit Card POS (point-of-sale) transactions that settle and post in the statement cycle.
| Simple Checking |
Convenient Checking |
Convenient Checking With Interest |
Senior Select Checking |
Elite Checking/Savings |
|
|---|---|---|---|---|---|
| Minimum to Open | $25.00 | $25.00 | $50.00 | $50.00 | $50.00 |
| Minimum to Earn Interest | N/A | N/A | $1,000.00 | $0.01 | N/A |
| Minimum Balance Requirement/Service Fee | $10.00 monthly fee | No minimum balance requirement | $5.00 monthly fee | No minimum balance requirement | No minimum balance requirement |
| Account Requirement to “Waive” Service Fee | 1 Debit Card POS transaction OR 1 Direct Deposit per month | None | $1,000 & eStatements | None | None |
| ATM Fee Rebates | N/A | Available with eStatements* | Available with eStatements* | N/A | Available with eStatements AND 5 Debit Card POS transactions** |
| Account Restrictions | N/A | N/A | N/A | Must be 55 or over | Must have Elite Savings |
| Interest Calculation | N/A | N/A | Calculated on Collected Daily Balance | Calculated on Collected Daily Balance | NA |
| When is Interest Compounded | N/A | N/A | Monthly | Monthly | N/A |
| Overdraft Privilege | N/A | Available | Available | Available | Available |
*Convenient Checking and Convenient Checking with Interest accounts enrolled in eStatements are eligible for an ATM fee rebate on the first six (6) ATM transactions made at out-of network ATMs in the U.S. (up to total of $12; each additional transaction $2) AND up to $20 in ATM surcharge rebates (the fees other ATM owners access) per statement cycle.
**Elite Checking accounts that make at least five (5) POS (point-of-sale) transactions each statement cycle AND are enrolled in eStatements, will be eligible for an ATM Surcharge fee rebate (the fees other ATM owner access) of up to $20 per statement cycle.
Burke & Herbert Bank Visa® Debit Card
At Burke & Herbert Bank, convenience is a top priority. That’s why our checking accounts come with a Burke & Herbert Bank Visa® Debit Card—issued instantly when you open your account in a branch. You can use your Card to access your accounts at thousands of ATMs worldwide. Plus, you can use your Card to access funds directly from your checking account to pay for purchases at any merchant that accepts Visa debit. It’s safer than carrying cash or checks and Visa’s Zero Liability policy guarantees 100% protection against any unauthorized purchases.
Overdraft Protection
We have your back with two Overdraft Protection options for your checking accounts.
With Burke & Herbert Bank’s Overdraft Privilege Program, you can designate another account – such as a savings, money market, or other checking account – to transfer funds from and prevent your checking account from being overdrawn. It’s like your money is protecting itself. A $12.50 fee applies to each transfer.
You also may use a Personal Line of Credit* or a Home Equity Line of Credit* to provide your checking account with overdraft protection. If you accidentally overdraw your account, your credit line steps in to ensure you’re covered. Funds up to your available limit are transferred to your checking account so that you avoid the hassle and expense of returned checks.
* Subject to credit approval. Must be 18 or older to apply. Additional terms and conditions apply.
