Your personal banking needs are unique.
Amazing things can happen when you have a financial partner who starts with heart. Since 1891, we’ve been investing in this community and the people we serve. We offer tools and resources—paired with a knowledgeable and experienced team—to support you on your unique financial journey. Together, let’s explore the pathway to possibility.
Looking to open a Personal Checking or Savings account?
Or call us at 978-372-7731
Checking Accounts
| Free Checking | Lifeline 18/65 Checking | Student Checking | Rewards Checking | |
|---|---|---|---|---|
| This account is for you if... |
You need a basic checking account with no fees and access to online/mobile tools. |
You are 18 or younger OR 65 and older and need an account with few restrictions and online/mobile tools. | You are a student between the ages of 13-25 on a journey to independence. |
You want to earn interest on your checking account and be reimbursed for foreign ATM fees. |
| Benefits & Features |
No monthly fee or minimum balance
Surcharge-free withdrawals at SUM® network ATMs2 |
No monthly fee or minimum balance
Interest-bearing account Surcharge-free withdrawals at SUM® network ATMs2 |
No monthly fee or minimum balance
Foreign ATM fees can be
reimbursed up to $20 per statement cycle Surcharge-free withdrawals at SUM® network ATMs2 |
No monthly fee
Interest-bearing account Foreign ATM fees can be reimbursed up to $20 per statement cycle1 Surcharge-free withdrawals at SUM® network ATMs2 |
| Limits and Fees (and how to avoid them) |
$10 required to open the account
No monthly fee to worry about! |
$10 required to open the account
No monthly fee to worry about! |
$10 required to open the account
No monthly fee to worry about! |
Account requirements to earn 4.00% APY1 and up to $20 foreign ATM surcharge fees reimbursed.1 (If criteria not met, account will earn 0.01%.) |
1 The Annual Percentage Yield (APY) is 4.00% as of 11/1/25. Balances up to and including $15,000.00 will earn an APY of 4.00%, balances in excess of $15,000.00 will earn an APY of 4.00% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements, a direct deposit of $100 or more, 10 debit card transactions posted and cleared per statement cycle. Rate is subject to change. Fees may reduce earnings.
2 Non-SUM® network ATMs may charge separate fees.
2 Non-SUM® network ATMs may charge separate fees.
Savings Accounts
|
Statement Savings
Savings account with electronic transfer abilities
|
Holiday Club
Traditional savings account to save for additional expenses
|
|
|---|---|---|
| Great for | Accessible savings | Traditional savings |
| Minimum to open | $10 | $10 |
| Monthly maintenance fee | No | No monthly maintenance fee. $5 penalty fee for closing or withdrawing before November 1st. |
See Fee Schedule for other Bank fees.
Money Market Account
With a Pentucket Bank Money Market Account, you don’t have to choose between growth and access—you get the best of both. Earn a competitive interest rate while keeping your funds readily available when you need them.
|
Money Market
High-yield tiered interest with ability to access funds
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|
|---|---|
| Great for | Building your savings quickly |
| Minimum to open | $10 |
| Monthly maintenance fee |
$10 minimum balance fee waived with $1,000 minimum daily balance.
A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000.
|
See Fee Schedule for other Bank fees.
Looking to open a Personal Checking or Savings account?
Or call us at 978-372-7731