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Checking & Savings

Compare our checking & savings accounts to determine what account(s) fit you best!
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Accounts
Free Checking
Now CHECKING Account
Emerald Money Market
Statement Savings
Club Accounts
HSA
Best Used For Daily money management Daily money management Create a cushion /
segregate funds
Create a cushion / segregate funds Save for holidays / special events Managed healthcare and medical expenses
Minimum to Open $10 $10 $10 $10 $10 $25
Monthly Maintenance Fee n/a $10 if $1,000 minimum daily balance is not met $10 if $1,000 minimum daily balance is not met n/a n/a $3 monthly service charge unless account has Direct Deposit
Earns Interest n/a Yes Yes Yes Yes Yes
Daily
Balance to Earn APY
n/a $500 $1,000 $10 $5 $25
Online Mobile Capabilities View balance & history, Bill Pay, FinanceWorks, Transfers View balance & history, Bill Pay, FinanceWorks, Transfers View balance & history, Bill Pay, FinanceWorks, Transfers View balance & history, Bill Pay, FinanceWorks, Transfers View balance & history, Transfers into account only View balance & history, Transfers
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, 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 Direct Deposit, Point of Sale Debits, ATM Withdrawals, ACH Withdrawals
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Pentucket Club

Want to earn a 1/4% more on your consumer deposit accounts, with no fees, while also enjoying several other cost saving benefits? Simply fulfill the following requirements and begin taking advantage today:

  • Open a consumer Free Checking or NOW Checking Account
  • Maintain $7500 in combined balances in your consumer deposit account*
  • Have a Pentucket Bank ATM/VISA Debit Card or minimum of one (1) Direct Deposit per month**


*Consumer deposit accounts that qualify for the combined daily balance requirement of $7,500 must include a Pentucket Free Checking, or NOW Checking Account with a Pentucket Bank Debit Card or a minimum of one (1) Direct Deposit that posts and clears per month. Other qualifying accounts for the combined balance criteria include Statement Savings, Emerald Money Market, Certificates of Deposit, Individual Retirement Accounts (IRA and IRA Variable) and Health Savings Accounts (HSA). Passbook Savings Accounts are not a qualifier for the combined balance requirement nor do they qualify for the premium rate adjustment. IRA Variable and HSA also do not qualify for the premium rate adjustment. 

**Direct Deposit is defined as one ACH transaction of $100 or greater that posts and clears.

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