Choose the account that's best for you.
BN Free Checking
BN Free gives you a checking account that offers simplicity and dependable convenience... all with no maintenance fees.
BN Smart Checking
BN Smart gives you more tools to succeed and the ability to earn rewards.
BN Premium Checking
BN Premium offers our highest level of checking with exclusive benefits for individuals looking to earn more and do the most for all their money.
These are the Standard Checking Benefits included with each account.
FEATURES
- Free Digital & Mobile Banking
- Free Visa Debit Card
- Bill Pay
- Free Digital Statements & Alerts
- Unlimited Check Writing
- BN Perks First Three Months Free ($6.95 per month thereafter, always free for BN Premium)
SUPPORT
- 24-hour Customer Support Number
- Bank by Appointment
- OceanPoint Insurance Checkup
- Access to Budgeting Tools
CONVENIENCE
- Apple Pay, Samsung Pay, Google Pay
- Free Goal Saver Account(with automatic debit)
- Credit Card Solutions(subject to credit approval)
- Rate Reduction on Auto Loans(with automatic debit from a BankNewport checking account)
BN Smart Checking
Account Details +
BN Smart helps you manage and maintain your financial standing with all the benefits and convenience you need with the rewards you want.
Includes All Standard Checking Benefits in addition to:
- Earn 2.00% Bonus Cash Back Debit Rewards on POS debit card purchases that post during the statement cycle after minimum purchase requirement has been met. Maximum Bonus Cash Back Debit Rewards per statement cycle is $7.50.*
- Domestic ATM rebates**
- Discount on mortgage closing costs† ($200 - subject to credit approval)
- Rate reduction on Home Equity Lines of Credit with automatic debit from a BN Smart checking account††
- Free Digital Statements (Paper Statement fee applies, $3)
- Rewards Credit Card (Subject to credit approval)
$100 minimum to open.
A maintenance service charge fee of $10 will be imposed each monthly statement cycle if the combined average daily deposit balances (Checking & Savings/Money Market & CDs) for each monthly statement cycle falls below $5,000.
* Minimum purchase requirement is defined as the first $500 of Debit Card POS purchases that post within a statement cycle. The first $500 is not eligible for the 2.00% Bonus Cash Back Debit Rewards
**Domestic ATM surcharge rebates up to $10 per statement cycle. BankNewport foreign ATM fees waived up to $6 per statement cycle.
†To be eligible for the closing cost discount automatic debit from BN Smart checking account must be established, cannot be combined with any other closing cost discount offers.
††Available only on BankNewport Lines of Credit where the subject collateral property has not had a lien from BankNewport on it within the prior 12 months from the application date. Cannot be a bridge loan or combined with other special offers, promotions or discounts. Subject to credit approval.
Enjoy discounts on shopping, travel and more with BN PERKS®!
From savings on groceries to the trip of a lifetime, BN PERKS® will help you and your family do more and get more — for less! Discover all the value, service, security and savings; discover BN PERKS®! Contact a banker or visit any branch location for details about your special privileges, call 1.800.988.5797 or visit bnperks.com for additional membership benefits. Enjoy special offers on:
- Free Bank Checks & Money Orders
- Consumer Protection Services
- Travel Services
- Local Restaurants & Merchants
- Retail Stores & Gifts
- Dining & Entertainment
- Family Benefits
First three months free for BN Free & BN Smart Checking customers, $6.95 per month thereafter. Free for BN Premium Checking customers. Fee is subject to change. Want to Opt Out of BN PERKS®? Complete our form below or Call Customer Service at 401.845.BANK or 877.709.BANK (toll free).
More of BankNewport's Offerings
OceanPoint Marine Lending
EXPERIENCED MARINE FINANCING
Present or future boaters can find personalized marine financing programs for new and used boats and refinancing existing boat loans. Competitive rates, dedicated buyer support, quick access to funds, and more.
BNWise
FINANCIAL EDUCATION PROGRAM
BNWise offers the knowledge and skills you need to make the best financial decision for you, your family, or your business.
OceanPoint Insurance
INSURING YOUR MOST VALUABLE ASSETS
Insurance programs to cover any number of personal and business assets with a dedicated staff providing excellent custom service to give you peace of mind. Protect your home, your business, your vehicles, and more.