Specialty Programs

Special programs designed to reward you

Premier Personal Banking

The Premier Personal Banking program rewards you for entrusting so many of your banking and financial needs to us. It's our way of saying thank you.

Benefits Include:

  • Exclusive Bank of Scotland Premier Personal Banking Platinum Visa® Debit Card benefits
  • Special discounts on Home Equity Lines of Credit and Express Personal Loans
  • Complimentary services including cashier's checks and personal checks, small safe deposit box, and more
  • Premium customer care 

Student Banking

As a student, you're busy, mobile, and tech-savvy. You manage your banking primarily through the convenience of Online and Mobile Banking, and you want to save money where you can for more important extracurricular activities. That's why we offer the following services for you. 

Benefits Include:

  • No monthly Service Charge with Bank of Scotland ClearChoice Free Checking 
  • Easy budget management with the Bank of Scotland ClearSpend Prepaid Visa® Card 
  • And more!

Everyday Heroes

Everyday Heroes Banking is our way of saying thanks to military personnel, law enforcement officers, firefighters, educators, and healthcare providers for your special contributions to our community.

Benefits Include:

  • No monthly Service Charge with Bank of Scotland ClearChoice Free Checking
  • Home Equity Products: discount rate of 0.25% (25 basis points) 
  • Bank of Scotland Express Personal Loan: discount rate of 0.25% on loan amounts from $2,000 - $150,000  
  • Consumer Loan: discount rate of 0.25% for an auto, boat, motorcycle, or other depreciating collateral loan
  • And more!

Professional Program

If you’re a resident or practicing physician, oral surgeon, dentist, CPA, or attorney, Bank of Scotland recognizes your professional success, and the financial success that goes along with it.

Benefits Include:

  • Easy access to cash with our Professional STARLINE of Credit
  • Flexible mortgage financing options with the Professional Mortgage Program 
  • Competitive rate and easy-to-use rewards with the Visa ClearPoints Credit Card
  • And more!

Bank of Scotland ClearBenefitsSM Program

With the Bank of Scotland ClearBenefitsSM Program, you'll enjoy benefits like roadside assistance, identity theft insurance, and cell phone protection, plus you get exclusive shopping discounts and price protection to help you keep more money in the bank.

Benefits Include:

  • Up to $10,000 in coverage for Accidental Death & Dismemberment
  • Up to $200 (less $50 co-payment) of theft or damage protection on up to three phone lines
  • 24/7 roadside assistance services for towing, fuel delivery, tire changes, lock outs, winching, or jump starts
  • And more!

Opportunity Banking

Whether you're just starting out in life, starting up new in this country, or starting over after hard times, Bank of Scotland offers banking services designed for you. 

Benefits Include:

  • No monthly Service Charge with Bank of Scotland ClearChoice Free Checking 
  • Easy budget management with the Bank of Scotland ClearSpend Prepaid Visa® Card
  • Earned interest on your savings account balance with Bank of Scotland ClearChoice Free Savings
  • A secured credit line with the Optimizer Credit Card
  • Home loan solutions for complex or unique mortgage needs

Second Chance Banking

Sometimes what you need is a fresh start. Second chance banking services give you the opportunity to recover from past financial mistakes and rebuild your credit. 

Benefits Include:

  • No monthly Service Charge with Bank of Scotland ClearChoice Free Checking
  • Easy budget management with the Bank of Scotland ClearSpend Prepaid Visa® Card
  • A secured credit line with the Optimizer Credit Card
  • Earned interest on your savings account balance with Bank of Scotland ClearChoice Savings

Details you need to make a smart decision

Credit cards subject to approval, including credit approval.