Compare Accounts

Compare personal checking accounts.

 

Personal Checking Account Comparison
Features BlueWave Basic BlueWave Balance BlueWave Access BlueWave Interest+
Account Requirements (Monthly) None
  • eStatements
  • Keep average available balance above $1,000
  • eStatements
  • One posted Direct Deposit or a mobile check deposit each month
  • 10 posted Debit Card purchases per month*
  • Monthly average balance requirement of $25,000 from combined average balances in personal deposit or Certificates of Deposit or IRA accounts.
Online Banking & Bill Pay No Charge No Charge No Charge No Charge
Direct Deposit No Charge No Charge No Charge No Charge
Debit Card No Charge No Charge No Charge No Charge
ATM Fee Reimbursements** No Up to $6
if Account Requirements
listed above are met
Up to $6
if Account Requirements
listed above are met
Up to $9
if Account Requirements
listed above are met
Free Checks No No No Yes
(One box per account per year)
Pays Interest No No No Yes
See rate information
Coin Counting No Charge No Charge No Charge No Charge
Notary Services No Charge No Charge No Charge No Charge
Balance requirement to avoid service charge N/A $1,000 None $25,000
(Combined avg. monthly balance
in personal deposits or CD/IRA accounts)
Monthly Service Charge $5 $10
if Account Requirements
listed above are not met
$10
if Account Requirements
listed above are not met
$10
if Account Requirements
listed above are not met

Minimum Balance information for all Accounts:

  • There is a $25 minimum initial deposit requirement to open this account;
  • Accounts opened online have a minimum initial deposit requirement of $50.

Please see the Schedule of Fees & Charges for additional charges that apply to these accounts.

* Posted Point of Sale (POS) and automatically recurring debit card payments count toward your monthly total.

** Androscoggin Bank clients get free, unlimited use of Androscoggin Bank ATMs. Reimbursements are for fees incurred when using non-Androscoggin Bank ATMs.

 

Compare personal savings accounts.

BlueWave Savings – offers competitive interest rates and low or waived service charge (when conditions are met).

BlueWave Savings+ – offers higher rates than BlueWave Savings.

Both accounts offer FDIC insurance up to $250,000, free ATM card with no ATM charges, up to six (6) electronic withdrawals per calendar month, complimentary online banking and optional links to an Androscoggin Checking Account.

Personal Savings Accounts Comparison
Features BlueWave Savings BlueWave Savings+
Monthly Service charge $5.00 $5.00
Minimum Daily balance to waive monthly service charge $100.00 $2,500.00
Waived Monthly Service charge for students ages 22 or younger Yes No
Earns Interest? Yes
see rates
Yes, higher than BlueWave Savings
see rates
Minimum Deposit required when opened in a location None None
Minimum Deposit required when opened online $50.00 $50.00

 

Other savings vehicles offered through Androscoggin Bank.

Health Savings Accounts – Our FDIC Insured HSAs allow you to save for qualified medical expenses if you have a qualified high deductible health plan (HDHP). Pay your medical expenses with checks or a Visa® Debit Card. Interest on the balance of your HSA accrues daily, compounded and credit to your account monthly.

Personal Money Market Account –  A great rate with more flexibility than a traditional savings account. FDIC insurance up to $250,000, free ATM card with no ATM charges, up to six (6) electronic withdrawals per calendar month, complimentary online banking and optional links to an Androscoggin Checking Account.

 

Features Personal Money Market Account
Account Requirements (Monthly)

Balance requirement of $5,000 to avoid monthly service charge of $10

Online Banking & Bill Pay No charge
Direct Deposit No charge
Debit Card No charge
Pays Interest Yes
See rate information
Notary Services No charge
Balance requirement to avoid service charge $5,000
Monthly Service Charge $10
if account requirements
listed above are not met

Minimum Balance information for all Accounts:

  • There is a $25 minimum initial deposit requirement to open this account.

Please see the Schedule of Fees & Charges for additional charges that apply to these accounts.