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BN Smart Checking

Take the smart approach to checking. BN Smart helps you manage, build, and maintain your financial standing with all the benefits and convenience you need, plus the rewards you want. 

Standard Checking Benefits Apply 

Additional Benefits for BN Smart:

• Earn up to $10 per month with 2.00% Bonus Cash Back Debit Rewards on POS debit card purchases that post during the statement cycle
• Domestic ATM withdrawals, rebated monthly, up to $10
• Rate deduction on Home Equity Lines of Credit with automatic debit from a BN Smart checking account*
• Discount on mortgage closing costs** ($200 - subject to credit approval)
• Free eStatements (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.


Open Now


Enjoy discounts on shopping, travel and more.

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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!  Enjoy special offers on:

  • No Fee on Bank Checks & Money Orders
  • Consumer Protection Services
  • Travel Services
  • Local Restaurants & Merchants
  • Retail Stores & Gifts
  • Dining & Entertainment
  • Family Benefits

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 or explore BN PERKS® website for additional membership benefits. 

First 3 months free - then $6.95 per month thereafter.

Explore BN PERKS® 

Already a BN PERKS® member, Login here. 

Want to Opt Out of BN PERKS®?
Call Customer Service at 401.845.BANK or 877.709.BANK (toll free) or speak to your Banking Expert