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Rewards Checking

Home Personal Checking Rewards Checking

Whether you're spending or saving, do it well.

2.00% API

With just $10, open our Rewards Checking Account and earn interest.
See account details below.

Our Rewards Checking Account includes:

  • Free ATM or debit card2
  • Free online/text/app banking3
  • Free online bill pay
  • MX Personal Financial Management
  • Deposits insured in full by FDIC and DIF
  • Free mobile deposit
  • Surcharge-free withdrawals at over 75,000 ATMs (SUM®, MoneyPass® and Allpoint® network ATMs. Non SUM®, MoneyPass® and Allpoint® ATM networks may charge a separate fee.)

Rewards Checking Account requirements:

Account requirements to earn 4.00% APY1 and up to $20 foreign ATM surcharge fees reimbursed. If criteria is not met, account will earn 0.01% interest.

  • Online Banking enrollment
  • eStatement enrollment
  • Minimum of 12 debit card purchases, processed as a credit card in the statement cycle over $10 each
  • Direct deposit minimum $100 in the statement cycle
Table showing rewards rates

1The Annual Percentage Yield (APY) is 4.00% as of 5/1/23. 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. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements, a direct deposit of at least $100, 12 debit card purchases processed and posted as a credit card with a minimum of $10 per transaction. Rate is subject to change. Fees may reduce earnings.

2The Bank charges $20.00 for a replacement ATM or debit card.

3Cellular carrier message and data rates may apply.

Give us a call at (844) 639-3483

How to open an account

Apply online through our website or visit one of our branches.

What you'll need

  • Valid photo ID
  • If using a passport or valid photo ID and it has your incorrect physical address, you need to provide one of the following for proof of address: bill, car insurance, bank statement, rental agreement, or new mortgage statement.

How to switch banks

  • Make sure you have the account number for your new Newburyport Bank account AND your account number for your old account available.
  • Also, have information for any organization that makes automated deposits to or debits from your old account.

For more solutions to make your day-to-day
even better—and the destination attainable,
call or visit us.