The Free Checking account that does it all
Our Free Checking account delivers features that help you journey with clarity and ease. This account comes with no monthly fees or minimum balance requirements.
Get on the path to simple banking
This free checking account is designed to keep things easy. Enjoy 24/7 online access, Bill Pay, and everyday flexibility to fit your journey.
- No monthly fee or minimum balance
- Surcharge-free withdrawals at SUM, MoneyPass, and Allpoint ATMs1
- Direct deposit–ready
- Easy, flexible access to your money anytime
- Online and mobile banking included
Find the checking account for you
Our Free Checking account is part of our full suite of checking options. Compare them to find the account that fits your goals.
Benefits | Free Checking | Student Checking | Rewards Checking | Lifeline 18/65 Checking | Relationship Checking Premier |
|---|---|---|---|---|---|
Interest Earned | Not included | Not included | Included Yes—up to 4.00% APY (requirements apply)2 | Included | Included |
ATM Access | Surcharge-free at SUM, MoneyPass & Allpoint1 | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20 foreign ATM fee reimbursements1 | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20 foreign ATM fee reimbursements1 | Surcharge-free at SUM, MoneyPass & Allpoint1 | Unlimited foreign ATM fee reimbursements3 |
Minimum Balance | None | None | None | None | Higher balances are required to unlock benefits |
Special Benefits | Free checking with debit card included | Round-up savings tool | Earns up to 4.00% APY with simple monthly actions2 | Designed for ages 18 and under or 65 and older | Free checks, free incoming domestic wires, $500.00 mortgage cost rebate4 A one-time special relationship rate may be available on a CD or IRA account at opening or renewal (within the 10-day grace period), with a minimum increase of +0.10% above the published rate.5 |
Free Digital Tools | Full online & mobile banking suite | Full online & mobile banking suite | Full online & mobile banking suite | Full online & mobile banking suite | Full online & mobile banking suite |
Who It’s Best For | For those who want a simple, no-fee account with no minimum balance. | Students building strong money habits | Everyday spenders who want to earn interest | Younger or older customers seeking simplicity | Customers with higher combined balances who want premium perks |
Limits & Fees | $10.00 required to open the account, no monthly maintenance fee | No minimum balance, no monthly maintenance fee | Earn up to 4.00% APY and up to $20.00 in foreign ATM fee reimbursements when requirements are met. (Otherwise 0.01% APY.)2 | $10.00 required to open the account, no monthly maintenance fee | $15.00 minimum balance fee (waived with average daily balance and direct deposit)3 |
| Open an Account | Open an Account | Open an Account | Open an Account | Visit a Branch |
Online and mobile banking that fits the way you bank
Manage your money with secure digital tools that streamline everyday banking, keeping it fast and accessible anywhere you go, any time of day.
- Real-time balances and activity
- Set up automated savings
- Easy transfers from checking to savings
- Pay your Newburyport Bank loan from an account at another bank
- Live chat with a representative
- Monitor and improve your credit score
- Budget better with our Money Management tool
Free Checking Account FAQs
Does Free Checking have a monthly fee?
Do I get surcharge-free ATM access with my free checking account?
Does the Free Checking account earn interest?
Can I use mobile banking with Free Checking?
Who is Free Checking best for?
DISCLOSURES
1 Non SUM, MoneyPass and Allpoint ATM networks may charge a separate fee.
2 The Annual Percentage Yield (APY) is 4.00% as of 04/08/2026. Balances up to and including $15,000.00 will earn an APY of 4.00%. Balances in excess of $15,000.00 will earn an APY of 4.00% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. To be eligible for the interest rates and APY and receive up to $20.00 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in Online Banking and eStatements; direct deposits to the account totaling at least $100.00; 10 debit card purchases. Rate is subject to change. Fees may reduce earnings.
3 To be eligible to earn benefits, and waive the $15.00 monthly service fee, you must meet the following requirements during the statement cycle: Have a minimum of $500.00 in total monthly direct deposits to the Relationship Checking Premier account posted and cleared and maintain a minimum combined balance of $10,000.00 including personal checking accounts, savings accounts, Certificates of Deposits (CD) and Individual Retirement Accounts (IRA). Money Market accounts are excluded.
4 $500 mortgage cost rebate for first lien, primary residence only; new loan must be current with payment obligations; new mortgage loan balance must be outstanding for more than 30 days to be eligible to receive the mortgage cost rebate benefit and have a Relationship Checking Premier account within 30 days of loan closing. Credit will be made to the Relationship Checking Premier account in the month following fulfillment of the requirements of the mortgage cost rebate benefit. Applicable loan types include residential mortgage loans, first lien, primary residence only.
5 To increase the interest rate, the customer must make a request by calling Newburyport Bank at 844.639.3483 or visiting a branch in person.
