SCAM ALERT:  We have seen a rising number of fraud cases in which a person pretending to be a bank employee contacts a customer about a suspected unauthorized transaction. The contact then asks for personal information in order to “clear up” the problem. As a reminder, the bank will NEVER call, text, or email you and ask for personal information. If you receive such a call from your “banker,” do not give personal information and hang up immediately. If you receive a text or email, do not respond. To report suspected fraud on your account, please contact your local branch or call Customer Service at 1-844-510-0819.

Compare Personal Checking Accounts

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  Free Checking Interest Checking WOW Checking* Checking Plus Fresh Start Checking
Minimum Balance None See below None None None
Check Writing Unlimited Unlimited Unlimited Unlimited Not applicable
Service Charges None $6.00/month if requirements are not met* None $8.00/month $5.00/month
Interest None Earn Interest Earn Interest None None
  • No BankOnBuffalo fees on foreign ATM withdrawals for customers age 16-24
  • To avoid a service charge, one of the following must be met each statement cycle: $500 daily balance, Age 50+, or one direct deposit
  • Free ATM withdrawals anywhere in the U.S., if requirements are met
  • Cell Phone Protection
    • Credit Monitoring & Monthly Credit Score
  • Full Managed Recovery Advocate
  • $25k Identity Theft Expense Reimbursement (not available to NY residents)
  • No overdraft fees, dormancy fees or early closure fees
  • Electronic Statement (eStatement) required - $2.00 fee if not enrolled
Open Online Open Free Checking Now Open Interest Checking Now Open WOW Checking Now Open Checking Plus Now Open Fresh Start Checking Now
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eBanking with ePay and eStatement

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Mobile Banking

Phone icon with money sign

Mobile check deposits

               Cell phones showing a transfer

Send and receive money quickly and easily with Zelle® 

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External transfers
(to your accounts at other financial institutions)

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Visa® debit card with reward points

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Mobile debit card controls

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Misplace your debit card? Deactivate it with a click.

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Free Withdrawals at over 80,000 ATMs nationwide.

*Qualify for WOW Checking easily by performing three simple steps each calendar month**:

  • 12 Visa check card purchase transactions must post to your account
  • Have one Direct Deposit or ACH Auto Debit
  • Enroll and receive eStatements through eBanking

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

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**


*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

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