CHECKING

The perfect spot to put your money for day-to-day use. It’s where your debit card pulls from and the ideal destination for your direct deposits.

Flexible and convenient checking accounts

Free checking? Check. The perfect first account for children? Check. Opportunities for cash back? We check that box, too.
Start here to discover the account that’s right for you.

Product Overview

Account Purpose

Ideal for individuals with higher combined balances who are seeking account perks while earning interest on their balance

Account Perks

Special boosted rates on CDs and rebates available on select ATM fees¹

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¹Nationwide ATM surcharges assessed to your account will be rebated monthly, up to a maximum of $10.00 per statement cycle for Silver tier (qualifying balances of $10,000.00-$74,999.99) or $25.00 per statement cycle for Gold tier (qualifying balances of $75,000.00 and up).

Eligibility: AddVantage is only available to personal banking customers. Business entities, including DBAs, are not eligible for this account. Business accounts will not be included in the combined balance calculation. Enrollments are limited to owners of the AddVantage account. Each owner can be on only one AddVantage checking account. The Tax ID of the AddVantage account owner(s) will be the basis for combining qualifying balances. Other accounts with a matching Owner Tax ID will be combined with the AddVantage account for qualifying tier balances. Monthly service charge of $20 is waived if you maintain a minimum qualifying average daily balance of $10,000.00. Accounts can be used in only one AddVantage Checking Account package to calculate the qualifying average daily balance. eVantage checking balances will not be included. Only the actual AddVantage account will receive account-level benefits. Other benefits, such as special rates on CDs and safe deposit discounts, are available only to AddVantage account owner(s).

Account Purpose

Great for those who prefer to go digital and want to get cash back on select transactions with no monthly service fee

Account Perks

Earn $0.05 per debit card transaction, reimbursement on up to 5 out-of-network ATM fees² and a free debit MasterCard®

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²Qualifying transactions must be met in order to receive the benefits for the statement cycle. Qualifying transactions are determined using the period beginning three business days before the first day of the monthly statement period and ending three business days before the last day of the monthly statement period. Qualifications per qualifying period include: Five (5) debit card transactions using a debit card connected to the eVantage Checking account; and enrollment in Online Banking, eStatements and Mobile Banking throughout the qualifying period. If you do not meet the qualifying transactions, you will not receive any applicable foreign ATM fee reimbursements, nor will you be awarded $.05 for any debit card transactions for that benefit period. ATM reimbursements are limited to five foreign ATM transactions per benefit period and do not include ATM surcharges imposed by ATM operators. Debit card awards are not paid for ATM transactions.

Account Purpose

A basic checking option for anyone who wants simplicity and no monthly fees

Account Perks

Unlimited check writing, no per-check charges and no minimum balance required

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Account Purpose

Designed specifically for seasoned spenders who are ages 65 and over, with all of the benefits and none of the fuss

Account Perks

Earn interest while enjoying free basic checks and no-per check charge

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Account Purpose

An innovative tiered checking account and savings all rolled into one, with features suited to each life phase through age 23, when it automatically phases into a Free Checking Account

Account Perks

Learn financial management skills with a tiered account that grows as the account holder ages

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Compare Personal Checking Accounts

Compare the full list of features for all of our checking accounts

	Account Purpose	Minimum Opening Deposit	Interest Earning	Maintenance and Fees	Account Perks	Online & Mobile Banking	Digital Wallet Compatible	FDIC & DIF Insurance
AddVantage Checking	Ideal for individuals with higher combined balances who are seeking account perks while earning interest on their balance	$10.00	Yes, for balances greater than $10,000.00	$20.00 per month, which is waived by maintaining a balance of $10,000.00 or greater in combined accounts	Special boosted rates on CDs, rebate available on select ATM fees¹, complimentary AddVantage printed checks, free coin counting, 50% discount on safe deposit box rental with autopay, Unlimited money orders and treasurer checks and a Free Debit Mastercard®	Yes	Yes (Apple Pay®, Samsung Pay®)	Yes
eVantage Checking	Great for those who prefer to go digital and want to get cash back on select transactions with no monthly service fee	$10.00	No	No monthly service fee	Earn $0.05 per debit card transaction², reimbursement on up to 5 out-of-network ATM fees³ and a free debit MasterCard®	Yes	Yes (Apple Pay®, Samsung Pay®)	Yes
Free Checking	A basic checking option for anyone who wants simplicity and no monthly fees	$10.00	No	No monthly service fee	Unlimited check writing, no per-check charges and a free debit MasterCard®	Yes	Yes (Apple Pay®, Samsung Pay®)	Yes
Free Checking for Seniors	Designed specifically for seasoned spenders who are 65 and over, with all of the benefits and none of the fuss	$10.00	Yes	No monthly service fee	No minimum balance requirement and a free debit MasterCard®	Yes	Yes (Apple Pay®, Samsung Pay®)	Yes
Milestone Account	An innovative tiered checking account and savings all rolled into one, with features suited to each life phase through age 23, when it automatically phases into a Free Checking Account	$25.00	Yes	No monthly service fee	Learn financial management skills with ability to earn interest	Depends on tier	Depends on tier	Yes

²Earn $0.05 per debit card transaction. Qualifying transactions must be met in order to receive the benefits for the statement cycle. Qualifying transactions are determined using the period beginning three business days before the first day of the monthly statement period and ending three business days before the last day of the monthly statement period. Qualifications per qualifying period include: Five (5) debit card transactions using a debit card connected to the eVantage Checking account; and enrollment in Online Banking, eStatements and Mobile Banking throughout the qualifying period. If you do not meet the qualifying transactions, you will not receive any applicable foreign ATM fee reimbursements, nor will you be awarded $.05 for any debit card transactions for that benefit period. ATM reimbursements are limited to five foreign ATM transactions per benefit period and do not include ATM surcharges imposed by ATM operators. Debit card awards are not paid for ATM transactions.

³Qualifying transactions must be met in order to receive the benefits for the statement cycle. Qualifying transactions are determined using the period beginning three business days before the first day of the monthly statement period and ending three business days before the last day of the monthly statement period. Qualifications per qualifying period include: Five (5) debit card transactions using a debit card connected to the eVantage Checking account; and enrollment in Online Banking, eStatements and Mobile Banking throughout the qualifying period. If you do not meet the qualifying transactions, you will not receive any applicable foreign ATM fee reimbursements, nor will you be awarded $.05 for any debit card transactions for that benefit period. ATM reimbursements are limited to five foreign ATM transactions per benefit period and do not include ATM surcharges imposed by ATM operators. Debit card awards are not paid for ATM transactions.

⁴Initial account opening bonus match will be deposited during account opening and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements.

Mobile Banking App

Transfer funds, check account balances, deposit checks remotely, and make loan payments anytime, anywhere with Bluestone Bank’s Mobile Banking App.

Card Controls
Manage your cards from the palm of your hand. Card services allow you to enable or disable your card, report it as lost or stolen, set travel preferences, and more.

Screenshot of Bluestone Mobile App showing the AddVantage Checking account page

Helpful Calculators

CHECKING

Flexible and convenient checking accounts

Product Overview

Account Purpose

Account Perks

Account Purpose

Account Perks

Account Purpose

Account Perks

Account Purpose

Account Perks

Account Purpose

Account Perks

Compare Personal Checking Accounts

Compare the full list of features for all of our checking accounts

Mobile Banking App

Helpful Calculators

How soon can I eliminate my debts?

How much will I need to save for a major purchase?

Setting Spending Boundaries

Debit Card Control Questions/Controls & Alerts