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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.

Open your FREE Checking Account now!

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 Accent Photo

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:

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

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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 Accent Photo

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

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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 Accent Photo

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.

*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.

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

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535 Washington Street, Buffalo, NY 14203
1-844-510-0819

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