Personal

Checking

We offer a variety of checking accounts to help you get the most out of your banking relationship. All of our accounts come with convenient services to help you access your money wherever you may be.

CLASSIC
CHECKING
CONVENIENCE
CHECKING
PREMIER
CHECKING
Designed
For
Individuals
who want
a simple everyday
checking account
with no
minimum
balance.
Individuals
who want a checking
account that brings added
flexibility and reimbursement
of nationwide ATMs **
Individuals
who want an easy
way to manage
their finances with
a full featured
account that earns
interest.
Apply
Online
Apply Online Apply Online Apply Online
Minimum Opening Deposit $10 $10 $10
Minimum Balance $0 $500 $5,000 (or $20,000
combined deposit balance)
Below Minimum
Balance Fee
$0 $15 $25
Earns Interest No No Yes*
Personalized
Debit Card
Free Free Free
Overdraft
Protection
Available
More
Details
Available
More Details
Available
More
Details
Online and
Mobile Banking
Free Free Free
Mobile Deposit Free Free Free
Bill Pay Free Free Free
eStatements Free Free Free
Person to Person
Transfers
Yes Yes Yes
Point of Sale
Transactions
Free Free Free
ATM Transaction
Fee
Free Lowell Five ATMs
($2 transaction and inquiry
fee at non-Lowell Five ATMs)
Free Lowell Five ATMs
Reimbursed nationwide
ATMs fees**
Free Lowell Five ATMs
Reimbursed nationwide
ATM fees***
Paper Statement Fee $1 (waived with monthly direct deposit) $1 (waived with monthly direct deposit) No Fee

Student and Military Checking Accounts are also available.
*Premier Checking has an Annual Percentage Yield of .05% as of today’s date and is subject to change after the account is opened. Fees could reduce the earnings on the account.
** Total refund per account is limited to $15 per statement cycle.
***Total refund per account is limited to $50 per statement cycle.
In accordance with Massachusetts law, persons under the age of 19 and persons 65 years of age or older may be entitled to a Checking and Savings free of any charges except $5 insufficient funds fee plus any ATM Charges. Eligible persons should speak with one of our customer service representatives.