Checking Accounts

Earn rewards each month:

• $5 credit each statement cycle*
• ATM fee refunds (up to $15 per statement cycle)*

How to earn your rewards:

• 5 account transactions per statement cycle

AND

• Use at least 5 of the following services per statement cycle:
  • e-Statements
  • Have a Main Street Bank savings account
  • Direct deposit in your Neighborhood Rewards Checking account
  • Have a Main Street Bank loan
  • Automatic payment from your Neighborhood Rewards Checking account to a Main Street Bank loan
  • $5,000 in combined deposit balances
  • $50,000 in combined outstanding loan balances
  • 12 Debit Card purchases per statement cycle
  • Use Zelle^®

The Neighborhood Rewards Checking account is always free, even when you don’t meet the rewards qualification. We keep this account free by encouraging our customers to take advantage of the many other services that we provide as a bank, such as loans, savings accounts, and digital banking services.

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• No minimum balance requirement
• No maintenance fee
• No per check charge

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• Interest earning (check out our Deposit Interest Rates)
• $500 minimum daily balance requirement
• $5.00 monthly maintenance fee if balance falls below the daily minimum
• $0.25 cents per check fee if balance falls below the daily minimum

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Fees Waived

Monthly maintenance fees, check order fees and other fees may be waived or reduced for qualified customers 18 years of age or younger and customers 65 years of age or older, regardless of the account balance. Please notify the bank when you open your account(s) if you are in either of these groups so we can explain the qualification requirements. Once the account owner reaches 19 years of age, the account will be subject to all current standard fees, including service and check order fees.

Massachusetts 18-65 Law

If you are under 18 or over 65, please ask us about the 18-65 law. The Massachusetts 18-65 law allows any person who is 65 years of age or older or 18 years of age or younger to have a savings and a checking account at a MA state-chartered savings bank, co-operative bank or trust company without having to pay a service, maintenance or similar charge.

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