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

If balance falls below $1,000, a $.15 fee is charged for each debit over 30 per month.

Monthly service charges are:

  • $5.00 if balance falls below $200
  • $4.00 if balance falls below $300
  • $3.00 if balance falls below $400
  • $2.00 if balance falls below $500
  • No monthly service charge if $500 balance is maintained

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

Balance Rate APY*
Under $5,000 0.15 0.15
$5,000 – $20,000 0.15 0.15
$20,000 & over 0.15 0.15
* Annual Percentage Yield (APY). Interest Rates are subject to change at Bank’s discretion. Checking accounts may be subject to fees which would reduce earnings.


View Fees

  • If balance falls below $1,000, a monthly maintenance fee of $6 is applied
  • If balance falls below $2,500, a $.15 fee is charged for each debit over 30 per month
  • $7.00 monthly maintenance fee if balance falls below $2,500
  • Six withdrawals allowed each month at no charge, with a $2.00 fee for each debit over six per month

Savings Accounts

Regular Savings Account

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

View Interest Rates

Balance Rate APY*
Under $5,000 0.20 0.20
$5,000 – $20,000 0.20 0.20
$20,000 & over 0.20 0.20
* Annual Percentage Yield (APY). Interest Rates are subject to change at Bank’s discretion. Savings accounts may be subject to fees which would reduce earnings.

View Fees

  • $3.00 quarterly service charge if balance falls below $100
  • Six withdrawals allowed each month at no charge, with a $.50 fee for each debit over six per month

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

Balance Rate APY*
Under $5,000 0.20 0.20
$5,000 – $20,000 0.20 0.20
$20,000 & over 0.20 0.20
* Annual Percentage Yield (APY). Interest Rates are subject to change at Bank’s discretion. Savings accounts may be subject to fees which would reduce earnings.

View Fees

  • $3.00 quarterly service charge if balance falls below $100
  • Six withdrawals allowed each month at no charge, with a $.50 fee for each debit over six per month

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

Balance Rate APY*
Under $5,000 0.45 0.45
$5,000 – $20,000 0.60 0.60
$20,000 & over 0.80 0.80
* Annual Percentage Yield (APY). Interest Rates are subject to change at Bank’s discretion. Savings accounts may be subject to fees which would reduce earnings. Rates are accurate as of August 17, 2016.

View Fees

  • If your balance falls below $2,500.00 on any day in the month, your account will be subject to a $7.00 monthly maintenance fee for that month.
  • Excessive Withdrawal fee: $2.00 in excess of six withdrawals per statement cycle

Limitations on frequency of transfers

During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check,draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

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

View Interest Rates

Balance Rate APY*
Under $5,000 2.81 2.85
$5,000 – $20,000 2.81 2.85
$20,000 & over 2.81 2.85
Variable IRA rate is based on the most recent auction yield of the 2 Year U.S. Treasury Note, adjusted quarterly on the first calendar day of the quarter (index). All IRAs may be subject to fees which would reduce earnings.
* Annual Percentage Yield (APY).

View Penalties

  • Early withdrawal is subject to a bank penalty and in some cases, an IRS penalty

18 Month IRA CD

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

View Interest Rates

Balance Rate APY*
Under $5,000 1.15 1.16
$5,000 – $20,000 1.15 1.16
$20,000 & over 1.15 1.16
The interest rate and maturity date of 18 Month IRAs are established on the date of issue or renewal, with the interest rate (or index) guaranteed for the initial term. All IRAs may be subject to fees which would reduce earnings.
* Annual Percentage Yield (APY).

View Penalties

  • Early withdrawal is subject to a bank penalty

Certificate of Deposit

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

View Interest Rates

Please call us 785-594-6421 for current CD rates.

View Penalties

  • Early withdrawal is subject to a bank penalty