Relationship Checking Premier, a more rewarding way to bank
A premium, interest-bearing account that rewards higher balances with added benefits, giving you more value, more access, and more support as you move ahead.
Exclusive benefits designed to elevate your banking
Relationship Checking Premier lets you combine balances to unlock valuable perks, simplify your finances, and enjoy meaningful savings along the way. When you choose Relationship Checking Premier from Newburyport Bank, you get an account designed to give you more value for your banking relationship.
- Interest-bearing account with premium rates
- Unlimited foreign ATM fee reimbursements1
- Free check orders
- Free incoming domestic wires
- $500 mortgage cost rebate2
- Designed for customers who maintain higher account balances
- 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.
Find the best checking account for you
Relationship Checking Premier is our most rewarding checking option. Compare it with our other accounts to find the one that best supports your goals.
Benefits | Relationship Checking Premier | Free Checking | Student Checking | Rewards Checking | Lifeline 18/65 Checking |
|---|---|---|---|---|---|
Interest Earned | Included | Not included | Not included | Included Yes—up to 4.00% APY (requirements apply)4 | Included |
ATM Access | Unlimited foreign ATM fee reimbursements1 | Surcharge-free at SUM, MoneyPass & Allpoint5 | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20.00 foreign ATM fee reimbursements5 | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20.00 foreign ATM fee reimbursements5 | Surcharge-free at SUM, MoneyPass & Allpoint5 |
Minimum Balance | Higher balances are required to unlock benefits | None | None | None | None |
Special Benefits | Free checks, free incoming domestic wires, $500.00 mortgage cost rebate2 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.3 | Free checking with debit card included | Round-up savings tool | Earns up to 4.00% APY with simple monthly actions4 | Designed for ages 18 and under or 65 and older |
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 | Customers with higher combined balances who want premium perks | 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 |
Limits & Fees | $15.00 minimum balance fee (waived with average daily balance and direct deposit)1 | $10.00 required to open the account, no monthly maintenance fee | No monthly maintenance fee, no minimum balance! | Earn up to 4.00% APY and up to $20.00 in foreign ATM fee reimbursements when requirements are met. (Otherwise 0.01% APY.)4 | $10.00 required to open the account, no monthly maintenance fee |
| Visit a Branch | Open an Account | Open an Account | Open an Account | Open an Account |
Support for your biggest financial steps
Enjoy added value on one of life’s biggest milestones. With Relationship Checking Premier, you’ll receive a $500 rebate on mortgage costs when you finance with Newburyport Bank.2
Empowering your goals wherever you’re banking from
Manage your account with secure, innovative digital tools that give you clarity and control, from real-time balances to your full financial picture.
- 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
Relationship Checking Premier FAQ
Do I need a minimum balance to access the perks?
Does this account earn interest?
What ATM benefits are included?
What additional perks come with this account?
Who is this account best for?
DISCLOSURES
1 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.
2 $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.
3 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.
4 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.
5 Non SUM, MoneyPass and Allpoint ATM networks may charge a separate fee.
