Personal Checking Accounts

BankOnBuffalo offers a number of great checking account options to fit your every day needs. From our Interest Checking account to our very popular WOW Checking, you can enjoy convenient features like competitive interest on your checking account funds, no minimum balance requirements, no monthly service charges and unlimited check writing.

Free Checking

Special Features

No Minimum Balance Fee
No Monthly Service Charge
Unlimited Check Writing and Withdrawals
Check Card Available with ScoreCard® Rewards, offering 1 point per $2 spent on net purchases
Free foreign ATM withdrawals for customers age 16-24

Free Access to Mobile Banking, goMobile
Free Access to Personal eBanking with ePay and eStatement

WOW Checking

BankOnBuffalo’s Free WOW Checking account earns PREMIUM interest and offers free ATM withdrawals anywhere in the US!

Qualify for this account easily by performing three simple steps each calendar month*:

Twelve (12) Visa check card purchase transactions must post to your account.
Have one Direct Deposit or ACH payment.
Enroll for and receive eStatements within eBanking.

*Monthly qualification period ends the last business day of the month

Special Features

No Minimum Balance Fee
No Monthly Service Charge
Unlimited Check Writing and Withdrawals
Free ATM withdrawals anywhere in the U.S. (upon qualification)

Debit Card Available (Required)
Free Access to Mobile Banking, goMobile
Free Access to Personal eBanking with ePay and eStatement (required)

Interest Checking

This account allows you to make purchases and payments conveniently, keeping a current record of your income and expenses, all while earning interest.

Special Features

Low, Monthly Service Charge if at least one of the following is not achieved during each statement cycle: minimum $500 daily balance, age 50 or over, OR one direct deposit
Unlimited Check Writing and Withdrawals
Check Card Available with ScoreCard Rewards, offering 1 point per $2 spent on net purchases

Free Access to Personal eBanking with ePay, eStatement and goMobile
Earn Interest

Checking Plus

Think you don’t need identity theft protection? Think again.

Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches, affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone—regardless of your age and income, where you live, or how careful you are.

Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.

BankOnBuffalo is delighted to provide identity theft detection and recovery services as part of our Checking Plus accounts at no additional cost.

* Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.

**MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. Monitoring Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file.The credit score provided may not be consistent with the credit score model used by a lender, and therefore can not be relied upon to determine creditworthiness for any particular loan opportunity.

***Certain terms, conditions and limitations apply to these benefits, so it is important that you carefully review the “Mobile Device Coverage Member Services Agreement” on our website.

Fresh Start Checking

BankOnBuffalo's offering you a fresh start ...

Introducing the Fresh Start Account, which offers many of the advantages of our other checking accounts, and can be a fresh start to your brighter financial future.

$25 to open account
No minimum balance
No overdraft fees, dormancy fees or early closure fees
Checkless banking
Visa® debit card with reward points, and access to MoneyPass networks
Mobile & Online Banking* with ePay, eStatements & Zelle®
ServiceCall Available, 24/7 Access to your Account
Open an optional savings account
Low monthly service charge

Let your Fresh Start Account help you reestablish and rebuild a positive banking relationship, so you may again have access to the full range of available financial products and services.

*Mobile deposits unavailable for the Fresh Start Account.

*ScoreCard Reward Program not applicable for WOW Checking Account Check Cards.

In the event of an error or if you have questions about your statement, visit our Error Resolution page for instructions.

All BankOnBuffalo Checking Accounts Include

Combined Statement
ServiceCall
Free Access to Personal eBanking with ePay, eStatement and goMobile

VISA® Debit Card with ScoreCard® Rewards*
Free first order of checks**

Checking Account Comparison Chart

*ScoreCard Reward Program not applicable for WOW Checking Account Debit Cards.
**Free first order of checks not applicable for Fresh Start Checking.

In the event of an error or if you have questions about your statement, visit our Error Resolution page for instructions.

Contact Us Today!

To open an account, please contact us toll-free at 1-844-510-0819, visit any BankOnBuffalo branch location, or contact us online.

Find a Branch to Open an Account