Personal Banking | Bank of the Islands

Personal Checking Accounts

Bank of the Islands offers a variety of personal checking accounts to fit your unique needs. All of our checking accounts come with convenient features such as our FREE OnLine AnyTime Banking with Bill Pay, Pay a Person, Mobile Banking, debit card, and 24-hour Access Line.

CALL NOW – (239) 472-7211

Free Checking

Free Checking offers you convenience without the costs.

Unlimited check writing
No monthly service charge
No minimum balance requirement
No ACH direct deposit or debit requirement
No charge for Electronic Statements or Electronic Notices
Free OnLine AnyTime Banking with Bill Pay, including Pay a Person

Minimum Deposit to open is only $50.

Checking with Interest

This account is designed for our customers who prefer to maintain higher balances while earning interest on funds based on the daily balance.

Unlimited check writing
Earn interest on funds when maintaining a minimum daily balance of $1
No monthly service charge with a minimum daily balance of $1,000 or $5,000 combined average deposit balance during the statement cycle. Otherwise, the monthly service charge is only $15
No charge for Electronic Statements or Electronic Notices
Free OnLine AnyTime Banking with Bill Pay, including Pay a Person

Minimum Deposit to open is only $50.

Royal Islander Checking

If you are 62 years of age or better, you will receive ‘Royal Treatment’ including a wide range of banking services and privileges.

Unlimited Check Writing
Earn interest on funds when maintaining a minimum daily balance of $500
No monthly service charge with a monthly recurring ACH direct deposit or debit, or by maintaining a minimum daily balance of $1,000. Otherwise, the monthly service charge is just $8
No charge for Electronic Statements or Electronic Notices
Free Royal Islander Style Checks (single copy only)
Free Cashier’s Checks & Money Orders (up to 3 per month)
Free OnLine AnyTime Banking with Bill Pay, including Pay a Person
Receive a bonus interest rate on Certificates of Deposit

Minimum Deposit to open is only $50.

Protect & Serve Checking

A personal checking account exclusively for members of law enforcement, fire and rescue agencies, and all branches of the U.S. military.

Unlimited check writing
Earn interest on funds when maintaining a minimum daily balance of $500
No monthly service charge with a monthly recurring ACH direct deposit or debit, or by maintaining a minimum daily balance of $1,000. Otherwise, the monthly service charge is just $8
No charge for Electronic Statements or Electronic Notices
Free OnLine AnyTime Banking with Bill Pay, including Pay a Person

Minimum Deposit to open is only $50.

Savings/Money Market/Certificates of Deposit

We believe saving is a big part of your overall financial health. We offer savings accounts to encourage the youth of today to start saving for their future.

Safe Deposit Box

Safe deposit boxes offer a safe and secure place to keep family documents and heirlooms. Those items may include passports, birth certificates, jewelry, stock certificates, and items you could not easily replace. Enjoy the comfort of knowing that your valuables are protected and safe with a fire and water resistant box.

Note: The contents of your safe deposit box are not insured against loss by Edison National Bank. For your protection, you may wish to contact your insurance agent about insuring the contents of your safe deposit box. In addition, FDIC insurance is not applicable to the contents in your safe deposit box.

Come see us today to open an account. Click here for our locations.