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Relationship Checking

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Start earning cash back or interest rewards for the way you already bank with our new relationship checking accounts. Opening an account is easy, then sit back and watch the rewards roll in. It's just another reason you can Count on Us!

We make it simple to open a new account. 

Compare the three accounts below and click Open by the account that is right for you.

Simple Cash Back

A simple, worry-free account that rewards debit card usage.

  • No minimum balance
  • No monthly service fee
  • Free online statements
  • Earn $0.10 Cash Back with each Boone Bank & Trust Co. debit card purchase (up to $5 per statement cycle, per account).

It's just that simple. There are no monthly fees on this account. Paper statements are available for $3 per month.

Open a Simple Cash Bank Account 

Interest Rewards

An interest-bearing account that pays a higher interest rate for banking electronically.

  • No minimum balance
  • No monthly service fee
  • Free online statements
  • Higher interest rates on balances up to $15,000 during each statement cycle when you meet the following electronic banking criteria:
    • One direct deposit OR one automatic withdrawal; AND
    • 25 debit card purchases

If electronic banking criteria is not met, balances will earn at the Interest Rewards Base Rate. Balances above $15,000 will earn at the Interest Rewards Market rate. Paper statements are available for $3 per month. 

Current interest rates are available here.

Open an Interest Rewards Account 


A traditional interest-bearing account with tiered interest rates based on balance. This account also offers additional banking perks.

  • Minimum balance of $2,500 or an Average Daily Balance of $5,000
  • Discounted checks
  • Free online or paper statements
  • Tiered interest rates on all balances (current interest rates available here)

There are no fees as long as the minimum balance is met. If the balance falls below $2,500 anytime during the statement cycle or does not have $5,000 average daily balance, a $10 maintenance fee will be assessed. A $10 check discount per order on Specialty Grey style. 

Open a Premier Account 

Relationship Perks

Enjoy more benefits when you have a Relationship Checking account AND qualifying deposits greater than $50,000.

The primary owner on each Relationship Checking account will receive additional Relationship Perks when combined balances on accounts they own (Checking, Savings, CD's, IRA's, and HSA's) is $50,000.00 or more. 

  • Minimum balance Maintenance Fee waived for Premier Checking account
  • 2 free standard orders of wallet or duplicate checks (Specialty Grey Style) per relationship, per year
  • Free Cashier's Checks
  • Free 3x5 Safe Deposit Box or equivalent credit given towards a larger size box (must have automatic payment)
  • ATM surcharge refund (up to $20 per statement cycle)
  • No fee for foreign currency

Frequently Asked Questions

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