Home/Business Banking/Government Banking

Government banking

Rooted in our commitment to local communities, we partner with municipalities to deliver banking that supports sustainable operations, transparency, and long-term impact throughout the Seacoast regions of Massachusetts and New Hampshire.

Contact OUR TEAM

A sunny street scene with trees, brick sidewalks, hanging flower baskets, and people walking near shops and a colorful gallery sign.

Banking built for our communities

Our approach to government banking reflects the same commitment you bring to your work, local partnership, thoughtful stewardship, and solutions designed for long-term impact.

Local decision-making and responsive support
Banking solutions designed for transparency and oversight
Innovative cash and treasury management products and services
Flexible lending options for community projects
A community-focused bank invested in your success

Aerial view of a riverside town with boats docked along the water, a bridge crossing the river, and a mix of trees and buildings under a partly cloudy sky.

Government and nonprofit bank accounts

Find reliable accounts for public and community funds. Our checking, money market, and CD options are designed to support accountability, liquidity, and long-term planning for municipalities and nonprofit organizations.

Contact our team

Close-up of hands typing on a laptop keyboard, with a tablet, eyeglasses, and a mug on a desk, and a window showing a sunset in the background.

Credit card & merchant services

Simplify expenses and accept payments with confidence. Our Visa CommUNITY^® Card helps municipalities and nonprofits manage expenses and cash flow more efficiently. We also offer merchant services designed to make accepting credit card payments simple and cost-effective.

A person holds a payment terminal while another person pays by tapping a credit card on it for contactless payment.

Digital banking that supports your mission

Secure digital tools designed to help manage funds efficiently, maintain oversight, and stay connected, wherever the work takes you.

Real-time balances and account activity
Easy transfers between accounts
Bill pay and loan payments, including payments to other institutions
Electronic statements and reporting
Live chat access to a representative
Money Management tools to support budgeting and visibility

Four people discuss blueprints at a table in a modern room under renovation, while two workers measure and work on the walls and window in the background.

Government & nonprofit banking FAQs

What is the difference between a nonprofit bank account and a government bank account?

A nonprofit bank account is designed to support charitable and community organizations, while a government bank account is structured to meet the oversight, reporting, and regulatory needs of municipalities and public entities. Newburyport Bank offers tailored solutions for both.

What types of organizations can open accounts with Newburyport Bank?

We work with municipalities, public entities, and qualifying nonprofit organizations throughout Massachusetts and New Hampshire.

Are deposits in nonprofit and government bank accounts insured?

Yes. All eligible deposits are fully insured by the FDIC and the Massachusetts Depositors Insurance Fund (DIF).

What treasury services are available for nonprofit and government accounts?

Organizations can access services such as ACH, wire transfers, account analysis, lockbox services, Positive Pay, and remote deposit capture to support efficient fund management and oversight.

Can nonprofits and municipalities access online and mobile banking?

Yes. Our digital banking tools provide secure, 24/7 access to accounts, balances, reporting, and transaction activity.

Do you offer lending solutions for municipalities and nonprofits?

Yes. Our loan officers have significant experience working with government and nonprofit organizations and will be happy to speak with you about your project.

How do we get started with a nonprofit or government bank account?

Opening an account begins with a conversation. Our Government Banking and Nonprofit team will guide you through requirements and help structure the right solution.