18/65 Lifeline Checking meets you where you are
A no-fee account created for customers 18 and under or 65 and older gives you the tools and confidence to navigate your financial path with ease.
Checking made for this moment
With no monthly fees, interest earned on your balance, and flexible access to your funds, Lifeline 18/65 is a practical option built to support your financial needs throughout life’s journey.
- No monthly fees or minimum balance
- Interest earned on your checking balance
- Surcharge-free withdrawals at SUM, MoneyPass, and Allpoint ATM networks1
- Direct deposit–ready
- Flexible access through online and mobile banking
- ATM/debit card included
Find the checking account for you
Lifeline 18/65 Checking is one of several flexible checking options. Compare it with our other accounts to find the one that aligns with your life and the goals you hope to achieve.
Benefits | Lifeline 18/65 Checking | Free Checking | Rewards Checking | Student Checking | Relationship Checking Premier |
|---|---|---|---|---|---|
Interest Earned | Included | Not included | Included Yes—up to 4.00% APY (requirements apply)2 | Not included | Included |
ATM Access | Surcharge-free at SUM, MoneyPass & Allpoint1 | Surcharge-free at SUM, MoneyPass & Allpoint1 | Surcharge-free at SUM, MoneyPass & Allpoint1; up to $20 foreign ATM fee reimbursements2 | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20 foreign ATM fee reimbursements1 | Unlimited foreign ATM fee reimbursements3 |
Minimum Balance | None | None | None | None | Higher balances are required to unlock benefits |
Special Benefits | Designed for ages 18 and under or 65 and older | Free checking with debit card included | Earns up to 4.00% APY with simple monthly actions2 | Round-up savings tool | Free checks, free outgoing 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 | Younger or older customers seeking simplicity | For those who want a simple, no-fee account with no minimum balance. | Everyday spenders who want to earn interest | Students building strong money habits | Customers with higher combined balances who want premium perks |
Limits & Fees | $10.00 required to open the account, no monthly maintenance fee | $10.00 required to open the account, 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 | No monthly maintenance fee, no minimum balance! | $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 keeps you going
Whether you’re in school or starting the next chapter after retirement, we make it easy to bank on the go or right at home. Manage your account anytime with our secure digital tools that give you clear access to your money.
- 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
Lifeline 18/65 Checking FAQ
Who is eligible for Lifeline 18/65 Checking?
Are there monthly fees or minimum balance requirements?
Does this account earn interest?
Do I get surcharge-free ATM access?
Does this account offer digital banking tools?
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.
