Our Personal Checking Accounts were designed to fit your personal banking style. And you can rest easy knowing that all Lowell Five accounts are insured in full by the FDIC and the DIF.
Premier Checking
Do you keep a large daily balance in your checking account? Our Premier Checking account helps you optimize your deposited funds by paying interest – while offering the ease of access a checking account provides.
| Earns Interest | 0.05% |
| ATM Surcharge Reimbursed (per Statement Cycle) | Up to $50 nationwide |
| Minimum Balance to Avoid Fee | $5,000 or $20,000 combined deposit balance |
| Below Min Balance Fee | $25 |
| Fees could reduce earnings. Account rate is variable and is subject to change at any time. |
Advantage Checking
Does your checking account balance vary widely during the month? Advantage Checking allows you to maintain a lower minimum balance to avoid fees – including foreign ATM fees.
| Earns Interest | No |
| Minimum Balance to Avoid Fee | $500 |
| Below Minimum Balance Fee | $15 |
| ATM Surcharge Reimbursed (per Statement Cycle) | Up to $15 nationwide |
Free Debit Checking
Our Free Debit Checking account is a simple, everyday debit checking account with no fees and a low minimum balance. It’s a great account for customers who frequently use their Lowell Five debit card.
| Earns Interest | No |
| Minimum Balance to Avoid Fee | No Minimum |
| Below Minimum Balance Fee | No |
| ATM Surcharge Reimbursements | No Reimbursements |
Frontline Heroes
Active Military, Veterans, Police, Fire Personnel, Doctors, Nurses, Emergency Medical Personnel, and Medical Facility Works, enjoy the benefits of a Lowell Five Premier Checking Account with no monthly fees and no minimum balance required to earn interest.
| Earns Interest | 0.05% |
| ATM Surcharge Reimbursed (per Statement Cycle) | Up to $50 nationwide |
| Minimum Balance to Avoid Fee | No Minimum |
| Below Minimum Balance Fee | No |
Teens
Give your teen (ages 14 through age 18) the Debit Card access they want!
- Debit Card included
- Mobile App accessible
- Joint account with a parent or guardian
- Parents may choose to add CardValet Card Controls for parental controls.
| Earns Interest | No |
| Minimum Balance to Avoid Fee | Minimum Balance to Avoid Fee |
| Below Minimum Balance Fee | No |
| ATM Surcharge Reimbursements | No Reimbursements |
| Account must be opened in-person, jointly with a parent or guardian present. |
65 and Over
Seniors 65 and over are eligible for Free Debit Checking and a Companion Savings without charges except for a $5 insufficient funds charge and fees for ATM usage.
| Earns Interest | No |
| Minimum Balance to Avoid Fee | No Minimum |
| Below Minimum Balance Fee | No |
| ATM Surcharge Reimbursements | No Reimbursements |
The minimum to open any checking account is $10.00. Rates effective 11/1/2022
Optional Overdraft Protection Solutions:
- Overdraft Advantage is an opt-in program affecting qualified accounts. By opting in, you may prevent declined transactions in stores, online, and at ATMs.
Apply now - Overdraft Protection Loan is a personal loan attached to your checking account and available for up to $3,000.
Learn more - Companion Savings is a statement savings account attached to your checking account from which funds will be transferred should your checking account be overdrawn.
Open account