Personal

Checking

We offer four 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.

  • Free Online Banking
  • Free Mobile Banking
  • Free eStatements
  • Free Debit Card
MyChoice Free MyChoice
Interest **
Ignition Checking *** Military Checking ****
Designed
For
Individuals
who want
free checking
with no
minimum
balance
Individuals
who keep an
account balance
of $5,000 and
want to earn
interest
Young
adults
ages 16-23
Active and
retired
servicemen
and women
Apply
Online
Apply Online Apply Online Apply Online Apply Online
Minimum
Opening
Deposit
$.01 $.01 $.01 $.01
Interest Paid No Yes –
View Rates
No No
Debit Card Yes Yes Yes Yes
Overdraft
Protection
Available
More
Details
Available
More Details
Available
More
Details
Available
More
Details
Online and
Mobile Banking
Yes Yes Yes Yes
Bill Pay Yes Yes Yes*** Yes
eStatements Yes Yes Yes Yes
Additional Benefits Keep It Local
Rewards.##
No ATM fees
from Lowell
Five. Keep It Local
Rewards.##
Free
checking
with no
minimum
balance
and
unlimited
check-writing. Keep it
Local Rewards.##
Free
checks
for life.
Free ATM
usage
worldwide. Keep it
Local Rewards.
##

**Interest-bearing checking account option has an APY of .02 as of 12/11/13, subject to change after account is opened, and requires a minimum account balance of $5,000 to avoid fees.
***Ignition Checking becomes a MyChoice Free Checking Account on primary account holder’s 23rd birthday. In accordance with Massachusetts law, persons 18 years of age or younger and persons 65 years of age or older may be entitled to checking accounts free of all charges except a $5.00 insufficient check fee, online bill pay, overdraft draw fee and all regular ATM charges. This account requires eStatements. Must be 18 years of age to use online bill pay service.
****Direct deposit from the Department of Defense required to qualify.
##Total refund per account is limited to $50 per month.