Personal Banking

We help our customers meet their financial goals. When we say personal banking, we mean it. Our tellers take pride in demonstrating care, and they’re happy to sit down with customers to help them figure out how to save their money. We value creating relationships that make banking personal.

Available Services

Explore all the ways you can bank with us

Personal Checking

Bank easy with our checking products designed with your needs in mind. Find the right account for your lifestyle.

  • Visa® Debit Card with no annual fee.
  • Free Online Banking and BillPay: Manage your account and pay bills 24 hours a day from the convenience of your home or office.
  • Mobile Banking: On the go banking for those who live on the go.
  • Direct Deposit: Get access to your funds more quickly and safely. Ask your employer to get you set up.

Personal Savings

Whatever you’re saving for, from a house to a vacation to retirement, we have a savings plan perfect for you. Let one of our savings, money market or CD products help you achieve your financial goals.

  • Regular Savings: A safe haven for your money that gives you easy access to your funds.
  • Ultimate Money Market Account: Get a competitive rate without risking your principal. It's as good as a CD rate with greater flexibility.
  • CDs: Guaranteed earnings with a variety of terms to choose from.
  • Savings for the Future: A one-year CD where you can add money at any time to maximize your savings.

Credit Builder

Check out our Credit Builder program, which could help improve your credit score, so you can get a better rate or qualify for a loan.

Credit Builder:

  • Credit Builder is a personal loan secured by a Certificate of Deposit (CD). You pay the loan back on time, and you start on the path to improving your credit score.

Personal Credit Cards

Our credit cards offer benefits and features to meet a variety of financial needs. Take a look at what each card has to offer and decide which one is right for you.


Personal Retirement Planning

BestBank offers flexible and convenient retirement plans to fit your needs all in one place. Saving for your retirement has never been easier.

IRA Options: 

  • Traditional IRAs
  • Roth IRAs
  • IRA Rollovers
  • Simplified Employee Pension Plan (SEP) IRAs

Our Specialty Services

Only Available at BestBank

When cashing a check, sometimes you just can't wait the normal hold time until your funds become available. You need it now. Checkspress* gives you a way to accelerate access to your funds. Checkspress is better than going to a check casher because you don’t have to carry around your cash. Deposit the cash from your check safely into your account and access it anytime.


CLEAR Coverage** is perfect for customers looking for a small safety net for their checking account with reduced overdraft fees. Protect yourself knowing you'll be covered if a small balancing mistake or unplanned expense puts your account a little under! CLEAR Coverage provides overdraft coverage with reduced overdraft fees of $7 per item for overdrafts and fees that total no more than $50 in excess of your available balance. This is known as the Grace Zone.


*Checkspress is a check cashing service available for customers who have an open BestBank account. This service offers immediate cash for your check at competitive rates. You can use this service to obtain immediate cash for your check instead of depositing or cashing the check and waiting for the funds to become available. If you use this service to cash a check, you could deposit the cash into your account for immediate funds availability. There is no fee for enrolling in this service. There is a fee charged for each check cashed. All checks must be drawn on a U.S. bank and payable in U.S. dollars. The check must be payable to the person cashing the check. A check could be payable jointly to two payers (either as “or” or “and”) but the check must be endorsed by both persons, and the person cashing the check must be one of the payees listed on the check. Personal checks must be drawn on an individual account and cannot be drawn on a business account. Checks payable to a business, fiduciary or cash are not eligible for this service. Foreign checks and checks drawn on Guaranty Bank or BestBank are not eligible for this service. All checks must be properly endorsed. When you request to use this service, you will need to provide your Driver’s license, State-issued ID card, or military ID and your Social Security number. If your enrollment into this service or request to cash a check is denied, you will be provided with a phone number to call for information.

**CLEAR Coverage is an optional service, available for personal checking accounts. This service provides overdraft coverage with reduced overdraft fees of $7 per item for overdrafts and fees that total no more than $50 in excess of the available balance. This is known as the Grace Zone. The cost is $10 per month. Paying overdrafts beyond the Grace Zone is not guaranteed and we typically do not pay overdrafts if you are consecutively overdrawn for an extended period of time, owe money on a Fresh Start or closed account, or not making regular deposits. Standard overdraft fees of $37 per item will apply for overdrafts beyond the Grace Zone. A fee may be imposed for covering overdrafts created by ATM and everyday debit card transactions (if you are enrolled in the overdraft service for those transactions), checks and other transactions made using your checking account number, automated bill payments and preauthorized electronic debits, telephone-initiated, online banking, or electronic transfers and recurring debit card transactions. You must repay an overdraft as soon as possible to avoid the $37 continuous overdrawn fee charged when your available balance remains negative for 10 calendar days. Excessive use of any overdraft service is costly and discouraged. Fees and terms are subject to change. 
Overdrafts occur when withdrawals from your account exceed your available balance.

*Credit Builder results are not guaranteed

- Credit Builder Loan is subject to application, eligibility and credit qualification. Rates and terms are subject to.change.
- Improvement in credit score is dependent on multiple factors specific to your situation and financial behavior. For example, late payments on utility bills, car loans or credit card accounts would negatively influence your credit score, even if your payments on a Credit Builder Loan are current.
- Failure to make required monthly minimum payments by the payment due date for the Credit Builder Loan will result in negative reporting to the credit bureau and will not improve your credit score.
- This product will not repair your credit, and negative credit history will not be removed from your credit report as a result of this program.
- Money Back Refund of interest paid requires that all Credit Builder loan payments must be made within 29 days of their due dates for the full five-year term.

For more information on credit scores, go to

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If you would like to apply for both a Savings and Checking account please click on the Checking Account "Apply Now" button first and you will be presented with a option to add a Savings Account.