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Checking Accounts

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.

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.

Open Account


Earns Interest No
Minimum Balance to Avoid Fee No Minimum
Below Minimum Balance Fee No
ATM Surcharge Reimbursements No Reimbursements

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.

Open Account


Earns Interest No
Minimum Balance to Avoid Fee $500
Below Minimum Balance Fee $15
ATM Surcharge Reimbursed (per Statement Cycle) Up to $15 nationwide

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.

Open Account


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. Annual Percentage Yield is .05%.

The minimum to open any checking account is $10.00.  Rates effective 4/1/2024.

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
  • Everyday Savings is a statement savings account that you can link to your checking account from which funds will be transferred should your checking account be overdrawn.
    Open account

Additional Banking Solutions

Enjoy the convenience of these banking service options:

Digital Banking Options



Connect with a Lowell Five Advisor