Personal Banking
Personal Banking

At Baldwin State Bank, we’ve put the PERSON back in personal banking.

Our friendly, hometown staff is here to help you with everything from checking and savings to preparing for retirement.  We’re here to listen, answer your questions, and help you find the right account for your financial goals.

Compare our personal financial products below.

Checking Accounts

Free Checking

  • $100 minimum to open account
  • No minimum balance
  • Free debit or ATM card
  • No charge at BSB ATM’s
  • Monthly statement
  • No monthly fees

Regular Checking

  • $100 minimum to open account
  • Minimum balance required
  • Free debit or ATM card
  • No ATM charges
  • Monthly statement w/ check images
  • No fees if minimum balance is met

View Fees

NOW Checking Account

  • $100 minimum to open account
  • Minimum balance required
  • Free debit or ATM card
  • No ATM charges
  • Monthly statement w/ check images
  • No fees if minimum balance is met
  • Free Checks
  • Earns Interest

View Interest Rates
View Fees

Savings Accounts

Regular Savings Account

  • $100 minimum to open account
  • Quarterly statements
  • No fees if requirements are met
  • Earns Interest

View Interest Rates
View Fees

Special Savings Account

  • $5 minimum to open account
  • Quarterly statements
  • No fees if requirements are met
  • Earns Interest
  • Primary account holder must be 18 years old or younger

View Interest Rates
View Fees

Money Market Account

  • $100 minimum to open account
  • Quarterly statements
  • No fees if requirements are met
  • Earns Interest
  • Unlimited number of deposits

View Interest Rates
View Fees
Limitations on frequency of transfers

Retirement Accounts and CDs

Variable Rate IRA

  • $500 minimum to open account
  • Earns Interest
  • No penalty if maturity is reached
  • Unlimited deposits up to the maximum allowed contribution
  • Account matures every 24 months and in most cases automatically renews

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View Penalties

18 Month IRA CD

  • $500 minimum to open account
  • Earns Interest
  • No penalty if maturity is reached

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View Penalties

Certificate of Deposit

  • $1000 minimum to open account
  • Earns Interest
  • No penalty if maturity is reached

View Interest Rates
View Penalties