Checking Accounts
Pentucket Free Checking
- No monthly Maintenance fee
- No per check charge
- No minimum balance required
- Free trial order of checks
Pentucket Club Relationship Banking
The Pentucket Club is our premier banking package. Members will receive superior banking products and services and will be recognized as one of our most valued customers.
How Do You Qualify?
Satisfy these three simple requirements, and become a Pentucket Club member:
- Combined balances of $7,500, or greater, in consumer deposit accounts*
- Free checking account
- Pentucket Club ATM/Visa® check card
* Consumer deposit accounts that qualify for the combined balance requirement include all Checking, NOW, Statement Savings, Money Market, Certificates of Deposit, Individual Retirement Accounts (IRAs), and Health Savings Accounts (HSAs).
How Do You Register?
Simply visit one of our five branches and ask a Personal Banking Representative to assist you in becoming a Pentucket Club Member.
The benefits of Pentucket Club include:
- Premium Rates on all Deposit Accounts!
- All Certificates of Deposit, Individual Retirement Accounts (excluding IRA Variables), Money Market, Statement Savings and NOW accounts will receive an additional ¼% over our current rate. This benefit is automatically provided to our Pentucket Club Members. This even applies to Certificates of Deposits that are automatically renewed.
- Loan Rate Discounts
- Residential Mortgage Loans receive 1/8% off the rate on a new residential Mortgage Loan, PLUS $250 off on closing costs.
- Home Equity Lines of credit Prime + 0% on a new Home Equity Line of Credit.**
- Home Equity Loans receive ¼% off the rate on a new Home Equity Loan.
- Consumer Installment Loans qualify for 1% rate reduction, with automatic payment from your Pentucket Club Checking Account.
- Pentucket Club - No Charge Services!
- Free Online Banking and Bill Pay
- Free Bank Checks, Travelers Checks, and Wire Transfers
- Free Smart Checks or a 50% discount on Deluxe Check Orders
- Free Cushion Overdraft Protection Service
- Free unlimited foreign transactions with Pentucket Club ATM and VISA Check Card***
- Additional Benefits!
- Free Checking
- No Annual Fee Individual Retirement Account
- Member of SUMTM network surcharge free ATM Program
- All accounts presented on one combined, easy to read, monthly statement
** Subject to Minimum Interest Rates
***Other banks may charge for the use of their ATMs - except SUMTM ATMs
Pentucket NOW Checking
Keep your money liquid while earning interest with our NOW checking account.
- No monthly maintenance fee.
(Low monthly minimum balance fee of $7 applied if balance falls below the $500)
Cushion Overdraft Protection Service
Savings Accounts
Emerald Money Market Account
- Enjoy higher earnings as balances increase
- Earn premium rates as a Pentucket Club member
- Monthly fee of $5 applied if account falls below the $1,000 minimum daily balance requirement
Passbook Savings
- Handy passbook to manage you savings transactions (no statement)
- All customers enjoy a high rate of interest for only a $10 minimum balance requirement
Statement Savings
- Funds remain available while earning interest
- Earn premium rates as a Pentucket Club member
- Link your statement savings account to transfer funds to your checking account, avoiding overdraft / return items
- Combine checking and saving accounts into one convenient statement
Club Accounts
- Save for holiday or vacation expenses
- Automatic transfer from checking or savings to club account available
Certificates of Deposit
- Terms from 6 months to five years
- Earn premium rates as a Pentucket Club member
Individual Retirement Accounts
- Save towards long term retirement goals
- Fixed or variable interest rates with several term options
- Earn premium rates and no annual fee as a Pentucket Club member
Health Savings Accounts
Eligible individuals can open a tax-exempt Health Savings Account (HSA) to pay for certain medical expenses. Funds can be accessed by check or debit card. Contributions can be deducted from your gross income and funds remain in the account from year to year until you choose to use them.
