Rewards Checking
earns you up to 4.00% APY1
Turn everyday spending into real growth with a Rewards Checking account. Earn up to 4.00% APY1 by meeting a few monthly requirements.
Maximize your earnings
Qualifying is straightforward when you do your everyday banking with Newburyport Bank. Meet these simple requirements and earn up to 4.00% APY1.
- Enroll in Online Banking
- Enroll in eStatements
- Make at least 10 debit card purchases a month
- Direct deposit at least $100 each statement cycle
Find the checking account for you
Rewards Checking is part of our full suite of checking options. Compare them to find the account that fits your goals.
Benefits | Rewards Checking | Free Checking | Student Checking | Lifeline 18/65 Checking | Relationship Checking Premier |
|---|---|---|---|---|---|
Interest Earned | Included Yes—up to 4.00% APY (requirements apply)1 | Not included | Not included | Included | Included |
ATM Access | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20 foreign ATM fee reimbursements2 | Surcharge-free at SUM, MoneyPass & Allpoint2 | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20 foreign ATM fee reimbursements2 | Surcharge-free at SUM, MoneyPass & Allpoint2 | Unlimited foreign ATM fee reimbursements3 |
Minimum Balance | None | None | None | None | Higher balances are required to unlock benefits |
Special Benefits | Earns up to 4.00% APY with simple monthly actions1 | Free checking with debit card included | Round-up savings tool | Designed for ages 18 and under or 65 and older | Free checks, free incoming domestic wires, $500 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 | Everyday spenders who want to earn interest | For those who want a simple, no-fee account with no minimum balance. | Students building strong money habits | Younger or older customers seeking simplicity | Customers with higher combined balances who want premium perks |
Limits & Fees | Earn up to 4.00% APY and up to $20 in foreign ATM fee reimbursements when requirements are met. (Otherwise 0.01% APY.)1 | $10.00 required to open the account, no monthly maintenance fee | No minimum balance, no monthly maintenance fee | $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 tailored to your life
We offer secure tools that make it simple to manage your everyday money from anywhere.
- 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
Rewards Checking Account FAQs
How do I qualify for up to 4.00% APY?1
What happens if I don’t meet all the requirements?
Are there any monthly fees or minimum balance requirements?
Do I get reimbursed for foreign ATM fees?
Who is Rewards Checking best for?
DISCLOSURES
1 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.
2 Non SUM, MoneyPass and Allpoint ATM networks may charge a separate fee.
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.
