Personal Banking
Accounts
Retirement
CD Rates
Cards
Savings
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Regular Savings Account
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account quarterly. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.
You may apply for an ATM card attached to a savings account.
Money Market Accounts
Basic Money Market Account
A variable-rate savings plan based on deposit size.
Premier Money Market Account
A variable-rate savings plan based on deposit size. While this account requires a higher minimum balance, it offers a higher tiered interest rate.
Christmas Club Account
A fun way to save for the holidays
- You make regular deposits into your Christmas Club account, and Bradford National Bank will pay you interest.
- All Christmas Club customers receive a special passbook.
- You receive your Christmas Club Savings check in November.
- Christmas Clubs come in a variety of denominations starting at $1 and can be opened at any Bradford National Bank location.
Vacation Club Account
Save for your dream vacation
- You make regular deposits into your Vacation Club account, and Bradford National Bank will pay you interest.
- You receive your Vacation Club Savings check in May.
- Vacation Clubs come in a variety of denominations starting at $1 and can be opened at any Bradford National Bank location.
Open Your
Account
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Checking
Accounts
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Checking Accounts
Personal Checking Account
No monthly fees if a $150 minimum balance is maintained.
Now Checking Account
Interest-bearing checking account.
Free Checking Account
$100 to open and no minimum balance is required.
Secure Checking
Peace of mind. It’s one of the most important benefits a Financial institution can provide. With unrivaled security and smart savings – it’s simple! With BNB Secure Checking, it’s easier to protect your finances and enjoy your life.
Perks
With any Bradford National Bank checking account, you can also sign up for Free Internet Banking, Free Online Bill Pay, Mobile Banking, including Mobile Deposit, Zelle, Person to Person Payments, and a Debit/Credit Card or ATM Card.
Overdraft Coverage
Life happens! Bradford National Bank understands that unexpected overdrafts occur from time to time. Overdraft Coverage can help.
Switch your account
With ClickSWITCH™ you can change financial institutions or move old accounts without the hassle of filling out multiple forms or wasting time contacting payees for automated payments. Visit a branch near you to get started.
e-statements
The Bradford National Bank E-Statement is an exact copy of what you currently receive in the mail. The only difference….no paper is required. Plus, your E-Statement is always available online, 24 hours per day.
How to sign up
- Sign in to your internet banking account.
- Click on the “Other” tab.
- Click on the “Statement E-Delivery Accounts.”
- Follow the simple instructions on the screen to ensure that you are able to read PDF files.
- Select the accounts you wish to receive E-Statements on.
- Click “Update” and you are done.
Online Bill Pay
Paying your bills has never been easier. All you need to do is log in to your personal account to access your bills, paid and unpaid. Download our app and log in to set reminders so you never miss a payment again.
Individual retirement accounts
Education IRA
A Coverdell Education Savings Account is an account created as an incentive to help parents and students save for education expenses.
Traditional IRA
A traditional Individual Retirement Account (IRA) is a personal savings plan that gives you tax advantages for setting aside money for retirement.
Roth IRA
A Roth IRA is an individual retirement arrangement that is subject to the rules that apply to a traditional IRA.
Current CD Rates
updated December 15, 2025
| RATE | MONTHLY | QUARTERLY | SEMI ANNUAL | LENGTH |
| 3.40 | 3.45 | 3.44 | 3 months | |
| 3.40 | 3.45 | 3.44 | 3.42 | 5 months |
| 3.35 | 3.40 | 3.39 | 3.37 | 6 months |
| 3.35 | 3.40 | 3.39 | 3.37 | 7 months |
| 3.30 | 3.35 | 3.34 | 3.32 | 9 months |
| 3.25 | 3.30 | 3.29 | 3.27 | 12 months |
| 3.25 | 3.30 | 3.29 | 3.27 | 15 months |
| 3.25 | 3.30 | 3.29 | 3.27 | 18 months |
| 3.25 | 3.30 | 3.29 | 3.27 | 24 months |
| 3.25 | 3.30 | 3.29 | 3.27 | 26 months |
| 3.25 | 3.30 | 3.29 | 3.27 | 30 months |
| 3.25 | 3.30 | 3.29 | 3.27 | 36 months |
| 3.35 | 3.40 | 3.39 | 3.37 | 48 months |
| 3.45 | 3.50 | 3.49 | 3.48 | 60 months |
Ask your CSR for a BOUNS for all new and existing checking account holders
*Higher than the minimum listed deposit amount may be required for shorter compounding periods.
Cards
specialty cards
Bradford National Bank offers a seamless credit card program that is managed locally. Pay online, by mail, or in person. Plus, the Bradford National Bank credit card now comes with Rewards and is easy to use. Apply for your BNB credit card today.
Our debit cards act in a similar way to writing a check. They take money directly from your checking account rather than forming a bill that must be paid at the end of each month like a credit card. There are no monthly or annual fees associated with a debit card. You must have a Bradford National Bank personal checking account to have a Bradford National Bank debit card.
These cards make great gifts for Christmas, birthdays, weddings, graduation, and more. They are available in a variety of denominations up to $1,000. The cards are non-reloadable, and there is a purchase fee. Bradford National Bank Mastercard Gift Cards are available at any Bradford location.
Bradford National Bank offers Travel Cards. These cards are a great backup plan when traveling anywhere in the world. They are available in a variety of denominations for purchase up to $3,000, but can be loaded with a higher amount. There is a modest purchase fee for these reloadable cards. Bradford National Bank Travel Cards are available at any Bradford location.
