Personal checking
Earn a $200 bonus with a checking account that keeps its promises
Open Total Checking online, set up qualifying direct deposit within 90 days and we deposit your bonus within 15 business days.
- No minimum opening deposit
- Same-day internal transfers
- Early paycheck access up to 2 days
- Overdraft grace on purchases up to $50
Start your application
Compare accounts
Two ways to bank with Bahama Crest
Both accounts include fraud monitoring, instant alerts and free digital banking.
Total Checking
$0
monthly with direct deposit ($12 otherwise)
- $200 welcome bonus
- 16,000 fee-free ATMs
- Overdraft grace up to $50
- Out-of-network ATM refunds
- Dedicated private banker
Premier Platinum Checking
$25
monthly, waived with $15,000 combined balances
- $300 welcome bonus
- Unlimited ATM fee refunds worldwide
- No wire transfer fees
- Relationship rates on CDs and loans
- Dedicated private banker
Fee schedule
Everything we charge, in one table
| Fee | Total Checking | Premier Platinum |
|---|---|---|
| Monthly service fee | $12 (waived with direct deposit) | $25 (waived at $15k) |
| Out-of-network ATM | $2.50 | $0 — refunded worldwide |
| Overdraft fee | $34 (max 2 per day) | $0 |
| Domestic wire (outgoing) | $25 | $0 |
| Paper statements | $2 per month | $0 |
| Stop payment | $30 | $0 |
Fees effective January 1. See the full deposit account agreement for details.
How the bonus works
Three steps to $200
Offer available to new personal checking customers only, once per household.
Step 1
Open online
Apply in about 7 minutes with your ID and Social Security number.
Step 2
Set up direct deposit
Receive qualifying deposits of $500+ within 90 days.
Step 3
Get paid
We deposit $200 into your new account within 15 business days.
Prefer to open in person?
Book a 30-minute appointment at one of 1,240 branches.
Open Total Checking today
No minimum deposit, no paperwork and a $200 bonus waiting on the other side.