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.
| Accounts | Free Checking | Relationship Checking | Activity Checking | Emerald Money Market | Statement Savings | Club Accounts |
|---|---|---|---|---|---|---|
| Best Used For |
Daily money management | Daily money management while earning interest | Daily money management | Create a cushion / segregate funds | Create a cushion / segregate funds | Save for holidays / special events |
| Minimum to Open | $10 | $10 | $10 | $10 | $10 | $10 |
| Monthly Maintenance Fee | n/a | $20 if $500 minimum average monthly balance is not met | $8 if $250 or more Monthly Direct Deposit, minimum 10 Debit Card transactions, and active Online Banking and eStatements is not maintained | $10 if $1,000 minimum daily balance is not met | n/a | n/a |
| Earns Interest | n/a | Yes | n/a | Yes | Yes | Yes |
| Daily Balance to Earn APY |
n/a | $500 | n/a | $1,000 | $10 | $5 |
| Online Mobile Capabilities | View balance & history, Bill Pay, Money Management, Transfers | View balance & history, Bill Pay, Money Management, Transfers | View balance & history, Bill Pay, Money Management, Transfers | View balance & history, Bill Pay, Money Management, Transfers | View balance & history, Bill Pay, Money Management, Transfers | View balance & history, Transfers into account only |
| Electronic Transactions | Direct Deposit, ACH Withdrawals, Point of Sale Debits, ATM Withdrawals & Deposits, Online Transfers | Direct Deposit, ACH Withdrawals, Point of Sale Debits, ATM Withdrawals & Deposits, Online Transfers | Direct Deposit, ACH Withdrawals, Point of Sale Debits, ATM Withdrawals & Deposits, Online Transfers | Direct Deposit, ACH Withdrawals, ATM Withdrawals & Deposits (Limit of 6 out of branch withdrawals per cycle), Online Transfers | Direct Deposit, ACH Withdrawals, ATM Withdrawals & Deposits, Online Transfers | Direct Deposit |
*Account opening is subject to approval.
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Or call us at (978) 372-7731
Relationship Checking
The more you invest in a banking relationship with us, the more it serves you back. We offer three levels of Relationship Checking: Basic, Plus, and Premier. The higher your deposit and loan balances, the more money-saving benefits you receive.
Activity Checking
Earn benefits with this smart, affordable checking account for people on the go