Free personal checking account is a non-interest bearing account without a minimum balance requirement with no monthly maintenance fee or per check charges. Unlimited check writing privileges are permitted. Cancelled checks and deposits are not returned but will be imaged and stored for you. MasterCard Debit Card and ATM Card usage is permitted. You must deposit $100.00 to open this account. Six image copies of checks, front and back, will be provided annually without charge and $3.00 per copy, thereafter.

Personal checking account is a non-interest bearing account. Images of cancelled checks and deposit tickets are returned with your monthly statement. MasterCard Debit Card and ATM Card usage is permitted. You must deposit $100.00 to open this account. A maintenance fee of $5.00 will be imposed every statement cycle if the daily balance during the cycle falls below $300.00.

The NOW account is an interest bearing account. The interest rate and annual percentage yield may change daily at our discretion. Interest begins to accrue on the business day you make a deposit. Interest will be compounded monthly and credited to your account each month. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the balance in the account each day. If you closed your account before interest is credited you will receive the accrued interest. You must maintain a minimum balance of $1.00 to obtain the disclosed annual percentage yield. You must deposit $100.00 to open this account. A monthly maintenance fee of $7.50 will be imposed if the balance in the account falls below $500.00 on any day of the statement cycle. MasterCard Debit Card and ATM Card usage is permitted.

The regular savings account is an interest bearing account that offers competitive rates of interest with the convenience of immediately availability of funds. The interest rate and annual percentage yield may change daily at our discretion. Interest begins to accrue on the business day you make a deposit. Interest is compounded daily and credited to your account quarterly. This method applies a daily periodic rate to the balance in the account each day. If you closed your account before interest is credited you will receive the accrued interest. You must maintain a minimum balance of $100.00 to obtain the disclosed annual percentage yield. Interest does not accrue on days your ending daily balance is less than $100.00. You must deposit $100.00 to open this account. A quarterly maintenance fee of $3.00 will be imposed if the balance in the account falls below $100.00 on any day of the statement cycle. No minimum balance charge will be assessed for account holders age 23 and under or non-profit organizations. You may make no more than six (6) transfers and/or withdrawals during any calendar month to another of your accounts with us or to a third party by means of pre-authorized or automatic transfer, or telephone agreement, order or instruction. If you make over 9 withdrawals per calendar quarter, a fee of $1.00 per transaction will be assessed for each additional withdrawal.

The Christmas club account is a non-interest bearing savings account that provides for a specific number of periodic deposits during an eleven month period prior to November 1st each year. You will receive in lieu of interest the final payment (deposit) to your account as a bonus in November after all agreed deposits have been made. To obtain the bonus, you must maintain your periodic deposits for the agreed number and amount and in accordance with the agreed schedule. Depositor chooses the amount of periodic deposits. The account balance is paid out by check in November. If any withdrawal is made from this account before pay out in November, the account may be closed. This account does not have minimum balance requirement or monthly service charge.

The MMDA money market account is a limited-transaction account that earns a money market rate of interest. The interest rate and annual percentage yield may change daily at our discretion. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the current rate sheet. Interest begins to accrue on the business day you make a deposit. Interest is compounded monthly and credited to your account monthly using the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the balance in the account each day. If you closed your account before interest is credited you will receive the accrued interest. You must maintain a minimum balance of $1.00 to obtain the disclosed annual percentage yield. You must deposit $2,500.00 to open this account. Withdrawals and transfers are limited to no more than six (6) during any one (1) calendar month or statement cycle (the period from one statement to the next), to another of your accounts with us or to a third party by means of a pre-authorized or automatic transfer, or telephonic agreement, order or instruction. A monthly maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the statement cycle. A per check fee of $2.00 will be charged for each check in excess of six (6) during a statement cycle.

Certificates of deposits offer higher rates of interest in exchange for committing your deposit for a specific time period. Interest rates are fixed for the term of the deposit and interest is compounded quarterly. You can chose to either have the interest credited to your certificate or to another account with us or with another financial institution. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the balance in the account each day. A penalty may be imposed for early withdrawal, however you will receive all accrued interest to date of withdrawal. We offer certificates of deposit with a variety of maturity ranges as shown on the current rate sheet. You must deposit $500.00 to open the account and to obtain the annual percentage rate disclosed.

An IRA is a personal tax-deferred retirement plan that allows you to plan for your retirement by making contributions to high yield investments today. All of our certificate of deposits are available for your IRA investments.

Personal installment loans allow you to make major purchases or expenditures and pay for them in affordable monthly payments. We offer terms that will meet your needs.

An adjustable rate mortgage loan is made to finance or re-finance real estate and is secured by a lien on your property. The interest rate and payments on your loan can adjust periodically, based on market conditions.

A fixed rate mortgage loan is made to finance or re-finance real estate and is secured by a lien on your property. The interest rate and payments remain constant through the term of your loan.

The B & L Bank MasterCard Debit Card gives you access to your checking accounts at any business that accepts MasterCard, worldwide. It also serves as your ATM card by offering convenient, economical ATM banking at ATMs displaying the CIRRUS and SHAZAM logos.  To report lost or stolen debit cards call 1-800-383-8000.

Free Xpress Banking service provides access to your account information 24 hours a day, 7 days a week from the convenience of your home or work.

Free personal computer service provides access to your account information 24 hours a day, 7 days a week from the convenience of your home or work.

A safe deposit box enables you to store your valuables, important documents and irreplaceable items in the safety and security of the bank's vault.

At B & L Bank, our industry-leading credit card products offer competitive pricing combined with a full range of reward options, making it easy to select and apply for the card that meets your needs. Learn more or apply now.

Existing cardholders click HERE for account access.

A business/commercial checking account is a non-interest bearing account available to corporations, partnerships, individual unincorporated businesses and associations. Images of cancelled checks and deposit tickets are returned with your monthly statement. Maintenance fees and other charges will be designed and tailored to best meet your banking needs.

The regular savings account is an interest-bearing account that offers competitive rates of interest with the convenience of immediately availability of funds. The interest rate and annual percentage yield may change daily at our discretion. Interest begins to accrue on the business day you make a deposit. Interest is compounded daily and credited to your account quarterly. This method applies a daily periodic rate to the balance in the account each day. If you closed your account before interest is credited you will receive the accrued interest. You must maintain a minimum balance of $10.00 to obtain the disclosed annual percentage yield. Interest does not accrue on days your ending balance is less than $100.00. You must deposit $100.00 to open this account. A quarterly maintenance fee of $3.00 will be imposed if the balance in the account falls below $100.00 on any day of the statement cycle. No minimum balance charge will be assessed for account holders age 23 and under or non-profit organizations. You may make no more than six (6) transfers and/or withdrawals during any calendar month to another of your accounts with us or to a third party by means of pre-authorized or automatic transfer, or telephone agreement, order or instruction. If you make over 9 withdrawals per calendar quarter, a fee of $1.00 per transaction will be assessed for each additional withdrawal.

The MMDA money market account is a limited-transaction account that earns a money market rate of interest. The interest rate and annual percentage yield may change daily at our discretion. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the current rate sheet. Interest begins to accrue on the business day you make a deposit. Interest is compounded monthly and credited to your account monthly using the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the balance in the account each day. If you closed your account before interest is credited you will receive the accrued interest. You must maintain a minimum balance of $1.00 to obtain the disclosed annual percentage yield. You must deposit $2,500.00 to open this account. Withdrawals and transfers are limited to no more than six (6) during any one (1) calendar month or statement cycle (the period from one statement to the next), to another of your accounts with us or to a third party by means of a pre-authorized or automatic transfer, or telephonic agreement, order or instruction. A monthly maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the statement cycle. A per check fee of $2.00 will be charged for each check in excess of six (6) during a statement cycle.

Certificates of deposits offer higher rates of interest in exchange for committing your deposit for a specific time period. Interest rates are fixed for the term of the deposit and interest is compounded quarterly. You can chose to either have the interest credited to your certificate or to another account with us or with another financial institution. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the balance in the account each day. A penalty may be imposed for early withdrawal, however you will receive all accrued interest to date of withdrawal. We offer certificates of deposit with a variety of maturity ranges as shown on the current rate sheet. You must deposit $500.00 to open the account and obtain the annual percentage rate disclosed.

Business installment loans allow you to make major purchases or expenditures and pay for them in affordable monthly payments. We offer terms that will meet your needs. Interest rates can be fixed or variable.

A business adjustable rate mortgage loan is made to finance or re-finance real estate and is secured by a lien on your property. The interest rate and payments on your loan can adjust periodically, based on market conditions.

A business fixed rate mortgage loan is made to finance or re-finance real estate and is secured by a lien on your property. The interest rate and payments remain constant through the term of your loan, which is usually shorter than the monthly amortization period, and then subject to change.

A line of credit allow the business/farm owner to make major purchases or expenditures without a trip to the bank. Interest rates can be fixed or variable.

Free Xpress banking service provides access to your account information 24 hours a day, 7 days a week from the convenience of your home or work.

Free personal computer service provides access to your account information 24 hours a day, 7 days a week from the convenience of your home or work.

A safe deposit box enables you to store your valuables, important documents and irreplaceable items in the safety and security of the bank's vault.

At B & L Bank, our industry leading credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. Learn more or apply now.

Existing cardholders click HERE for account access.

B & L Bank is here to provide you with helpful information, financial planning tools and choices that allow you to make informed financial decisions.