Checking Accounts
Personal checking that suits your lifestyle
Our personal checking accounts, such as free Reward Checking or free Veteran Checking, make it easy for you to manage your daily finances. Plus, the following benefits come free of charge with your checking account:
- Mobile Check Deposit
- Free Mobile & Online Banking
- Bill Pay
- Text Alerts
- IC ATMs
- Get paid up to two days early – Learn more
Benefitting You—Personally
Disclosure: *Earn 0.50% Annual Percentage Yield (APY) on balances up to and including $15,000 when qualifying requirements are met. Balances of $15,000.01 and over, after qualifying requirements are met, will earn .25% APY. The minimum amount to open Reward Checking is $5 and available for personal accounts only. Qualifying requirements must be met during each monthly statement cycle to earn APYs. Qualifying requirements are 12 debit card purchases, e-statements, direct deposit, or one ACH transaction per statement cycle. ATM fees will be refunded up to $15 per statement cycle when qualifying requirements are met. If qualifying requirements are not met, the account will earn 0.05% APY, and ATM fees will not be refunded. Any non-refunded ATM fees may reduce earnings. Rates effective as of 9/1/23 and are subject to change without notice.
How to Get Started
Or Contact Us
If you have any questions left
Main Office
Address
300 Bemis Road, Fitchburg, MA 01420
Phone
Main Office (800) 262-1001
Email
[email protected]
Get in touch with us
Get the best rate for you
Checking Rates
| ACCOUNT NAME | DIVIDEND RATE | APY |
|---|---|---|
| Reward Checking ($0-$15,000) | 0.05% Base Rate + 0.45% Bonus Rate | 0.50% |
$5.00 minimum opening balance. *Fees may reduce earnings on applicable accounts. | ||
| Reward Checking ($15,000.01 and up) | 0.05% Base Rate + 0.20% Bonus Rate | 0.25% |
Earn 0.50% Annual Percentage Yield (APY) on balances up to and including $15,000 when qualifying requirements are met. Balances of $15,000.01 and over, after qualifying requirements are met, will earn .25% APY. Minimum amount to open Reward Checking is $5 and available for personal accounts only. Qualifying requirements must be met during each monthly statement cycle to earn APYs. Qualifying requirements are: 12 debit card purchases, e-statements, direct deposit or one ACH transaction per statement cycle. ATM fees will be refunded up to $15 per statement cycle when qualifying requirements are met. If qualifying requirements are not met, account will earn 0.05% APY and ATM fees will not be refunded. No minimum balance is required to own this account. Rates effective as of 10/1/22 and are subject to change without notice. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($50 - $9,999.99) | 0.05% | 0.05% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($10,000 - $24,999.99) | 0.05% | 0.05% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($25,000 - $49,999.99) | 0.10% | 0.10% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($50,000 & Over) | 0.10% | 0.10% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Veteran Checking ($0-$15,000) | 0.05% Base Rate + 0.45% Bonus Rate | 0.50% |
$5.00 minimum opening balance. *Fees may reduce earnings on applicable accounts. | ||
| Veteran Checking ($15,000.01 and up) | 0.05% Base Rate + 0.20% Bonus Rate | 0.25% |
Earn 0.50% Annual Percentage Yield (APY) on balances up to and including $15,000 when qualifying requirements are met. Balances of $15,000.01 and over, after qualifying requirements are met, will earn .25% APY. Minimum amount to open Reward Checking is $5 and available for personal accounts only. Qualifying requirements must be met during each monthly statement cycle to earn APYs. Qualifying requirements are: 12 debit card purchases, e-statements, direct deposit or one ACH transaction per statement cycle. ATM fees will be refunded up to $15 per statement cycle when qualifying requirements are met. If qualifying requirements are not met, account will earn 0.05% APY and ATM fees will not be refunded. No minimum balance is required to own this account. Rates effective as of 10/1/22 and are subject to change without notice. *Fees may reduce earnings on applicable accounts. | ||
APY = Annual Percentage Yield | ||
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Personal Fee Schedule
Effective as of September 1, 2023
| OTHER SERVICES & CHARGES | |
|---|---|
| Excess Withdrawals: Reward Savings (Maximum: 2 in-branch withdrawals per statement cycle) | $10.00 per withdrawal |
| Stop Payment Request | $25.00 each |
| Account Activity Printout | $2.00 each |
| Check or Form Copy | $2.00 each |
| Foreign Check | $10.00 each |
| Research Fee / Reconciliation (1 hour minimum) | $20.00 per hour |
| Official Check - less than $1,000.00 | $3.00 each |
| Official Check - $1,000.00 and over | $5.00 each |
| Certified Check | $20.00 each |
| Wire Transfer - Domestic | $25.00 each |
| Wire Transfer - International | $50.00 each |
| Foreign Check Collection | $25.00 each |
| Returned Deposited Check | $15.00 each |
| IRA Annual Fee | $15.00 per year |
| VISA® Debit/Credit Card Replacement | $10.00 each |
| HELOC Card Foreign ATM Transaction Fee | $1.00 per transaction |
| VISA® Debit Card Foreign ATM Transaction | $1.00 per transaction |
| Credit Union Assisted Telephone Payments | $10.00 per payment |
| Online Loan Payments with Quick Pay | Free |
| Statement Copy | $5.00 per statement plus research fee |
| Government Levy | $50.00 |
| Dormant Account | $5.00 per month |
| Temp Checks (minimum 4) | $0.50 each |
| New Account Early Closeout Fee | $10.00 |
| The following fees can be caused by checks, in-person withdrawals, ATM withdrawals, ACH, or other electronic means. Items may be presented for payment multiple times. IC Courtesy Pay Overdraft Fees may be assessed on items previously returned due to insufficient funds when those same items are presented and paid, if you have opted into the IC Courtesy Pay service. | |
| Insufficient Funds Charge (NSF) (Labeled on statement as Return ACH Charge or Return Check NSF) | $30.00 per item |
| Uncollected Funds Charge | $30.00 per item |
| IC Courtesy Pay Overdraft Fee (Labeled on statement as Paid ACH EOD NSF Fee or Paid EOD NSF Fee for checks) | $30.00 per item |
| IC Courtesy Pay Overdraft Sweep (Labeled on statement as Overdraft Transfer Fee) | $15.00 per day |
