Checking Accounts
Here to make banking feel as stress-free as vacation.
Your everyday bank account should never get in the way of your every day. That’s why we offer a variety of checking accounts, including some that come with zero ATM fees. Plus, we have digital banking tools and a team of experts dedicated to helping you out whenever you need it.
Check out the benefits
24/7 Online Banking
Mobile Banking
Debit & Credit Cards
Mobile Wallet
Accounts for every journey.
Are you a teen or young adult opening your first checking account? This is a great place to start.
Use any ATM anywhere with this simple, free account. No monthly fees. No hassle. No matter what.
When we say “rewards,” we mean it. Here’s where you can earn our highest interest rate for any checking account.
Keep a high balance to earn a top interest rate and unlimited free checks.
New to banking? No worries. We’ve got a convenient, cost-saving account just for you.
Account Type | Minimum to Open an Account | Monthly Service Charge | Other Requirements | ATM Rebates (Automatically Reimbursed) | Online Statements Required | Earns Interest | Free Use of Any SUM or AllPoint ATM | Additional Benefits |
|---|---|---|---|---|---|---|---|---|
Student Checking1 | $10 | $0 | $50 opening deposit to receive Debit Card | Unlimited | No | No | Yes | $50 graduation bonus |
Free & Easy Checking2 | $25 | $0 | $50 opening deposit to receive Debit Card | Unlimited, with direct deposit & Online Statements | Yes | No | Yes | |
Interest Rewards Checking3 | $50 | $0 | 12+ debit purchases, 1 direct deposit or auto debit, and online statements to earn rewards | Up to $25 per month, for qualified accounts | Yes | Yes | Yes | |
Check Rewards Checking4 | $100 | $20 | $10,000+ combined balances will eliminate Monthly Service Charge | No | Yes | Yes | Free Standard Checks, No-fee Bank Checks, $20.00 Annual Safe Deposit Box Discount, Special CD Rate Offers | |
Start Up Checking5 | $25 | $3 | No | No | Yes | This “Bank On” account is offered in partnership with the City of Boston |
Account Type |
|---|
Student Checking1 |
Free & Easy Checking2 |
Interest Rewards Checking3 |
Check Rewards Checking4 |
Start Up Checking5 |
- Minimum deposit of $10 required to open account. Available to new Student Checking clients only, aged 13-24 years. At age 25, account will automatically convert to Free & Easy Checking. $50 minimum deposit required to receive debit card. To receive graduation bonus, a graduation diploma or certificate (dated after account opening) must be presented at any Dedham Savings location. Bonus will be deposited to account upon presentation of certificate or diploma. One offer per client. A 1099 will be issued for tax reporting purposes. ATM rebates are applied no later than the following business day of the transaction.
- Minimum deposit of $25 required to open account. ATM rebates are applied at end of monthly statement cycle. To qualify for ATM rebates, you must have online statements and monthly direct deposit. A direct deposit is a recurring deposit of a paycheck, pension, Social Security, or other regular monthly income, electronically deposited by an employer or outside agency into your account. $50 opening deposit to receive Debit Card.
- APY = Annual Percentage Yield. Minimum deposit of $50 required to open account. Personal accounts only. One account per client. To receive interest and reward, you must complete the following each qualification cycle: receive online statements, make 12+ posted and cleared debit card purchases, and have at least 1 posted and cleared direct deposit or ACH (Automated Clearing House) auto debit. A qualification cycle means a period beginning 2 days prior to the last statement cycle through 3 days prior to the current statement cycle. ATM rebates applied at end of monthly statement cycle; up to $25 for qualified accounts. If you do not meet the requirements per qualification cycle, your account will earn the lowest tier APY. Fees may reduce earnings. Deposits are insured up to current FDIC (Federal Deposit Insurance Corporation) limits and by the DIF (Depositors Insurance Fund) for all additional balances, up to any amount.
- Minimum deposit of $100 required to open account. Personal accounts only. Free standard checks or $10 credit toward custom check order. $20 monthly service fee waived with $10,000+ monthly combined deposit balances. Fees may reduce earnings on account. Deposits are insured up to current FDIC (Federal Deposit Insurance Corporation) limits and by the DIF (Depositors Insurance Fund) for all additional balances, up to any amount.
- Minimum deposit to open account is $25. $3 monthly service fee. Check writing is not available with account; however all digital payment transactions are available, such as debit card and bill payments, as well as account transfers and withdrawals. Overdraft Protection is not offered with this account.
Ready to open an account?
We make it easy to switch from your old bank — so easy, it only takes four steps. Start by opening your new account, then we’ll show you how to change direct deposits and withdrawals and close your old account. Let’s do this.
When we say we’re here for you, we mean it.
Not sure which is the right checking account for you? Or need more information? We’d love to walk you through it. CONTACT US.