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BankNewport Mobile Banking

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Personal Checking

Our suite of checking accounts is designed to help you thrive. Each account connects you with the benefits and features that make sense for your life. Because if it helps you succeed, we're all in.

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.

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Account Features

BN Smart Checking

BN Smart gives you more tools to succeed and the ability to earn rewards.

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Account Features

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.

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Account Features

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 Free Checking

Account Details +

BN Free gives you an offering of no maintenance fee checking, along with benefits and conveniences that help you manage your money and thrive.

Includes All Standard Checking Benefits.
$25 minimum to open.

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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.

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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.

Disclosures +

* 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.

BN Premium Checking

Account Details +

BN Premium features our highest level of checking with the benefits that matter most to Rhode Islanders like you.

Includes All Standard Checking Benefits in addition to:

  • Premium checking account earns interest, minimum daily balance of $2,000 required to earn interest
  • Premium Money Market account offering
  • Premium Gold CD rates 
  • First year free safe deposit box (3” x 5”, where available)
  • Higher ATM withdrawal and Point of Sale (POS) limits available
  • Higher mobile deposit and external transfer limits
  • AMEX Cash Rewards Credit Card (subject to credit approval)
  • No fee for paper statements
  • Rate reduction on Home Equity Lines of Credit with automatic debit from a BN Premium checking account*
  • Discount on mortgage closing costs** ($300 - subject to credit approval)
  • Domestic ATM rebates††
  • Waiver of the Overdraft line of credit transfer fee & Savings overdraft transfer fee

$2,000 minimum to open.

A maintenance service charge fee of $25 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $50,000 in combined deposit and consumer loan account balances, excluding residential mortgages. First 3 monthly statement cycle maintenance service charges free; $25 per statement cycle thereafter if minimum balances are not maintained.

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Minimum Daily Balance to Earn APY APY† Minimum Deposit to Open
$2,000.00 0.10% $2,000.00

The Annual Percentage Yield (APY) is accurate as of: December 11, 2019

Disclosures +

*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.
**To be eligible for the closing cost discount automatic debit from BN Premium checking account must be established, cannot be combined with any other closing cost discount offers.
††Domestic ATM surcharge rebates will be capped at $20 per statement cycle and BankNewport foreign ATM fees will be waived up to $10 per statement cycle.
†Your interest rate and annual percentage yield may change. Fees may reduce earnings. 

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).

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