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
Personal Checking Account

Benefitting You—Personally

Earn 0.50% APY*
No monthly fees or minimum balance to earn Interest
ATM refunds of $15 per statement cycle

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

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Select an account type
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Read and accept online disclosures and agreements
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Make a $5.00 deposit and open your account

Or Contact Us

If you have any questions left

Main Office

Address
300 Bemis Road, Fitchburg, MA 01420

Phone
Main Office (800) 262-1001

Get in touch with us





    Get the best rate for you

    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 PayFree
    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