Checking Account Comparison

Whether you write checks, swipe your debit card or pay bills online, First Ipswich Bank has an ACCESS CHECKING account that suits your style.

ACCESS CHECKING Account Options:

 

ACCESS ONE
CHECKING1

ACCESS PLUS
CHECKING

PREMIER ACCESS
CHECKING

 

A smart, simple account with no monthly maintenance fee

Add Direct Deposit or combined balances to waive monthly maintenance fee

Enjoy maximum rewards and a long list of VIP benefits

Free Online Banking, Mobile Banking, Bill Pay & eStatements

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Free MasterCard® Debit Card

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An ACCESS Savings account

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Free Telephone Banking

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Discount on select loans with Autopay from Checking

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Free overdraft transfers from Savings/Money Market

 

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Unlimited free access to 5,300 SUM® program ATMs*

 

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Unlimited free access to any ATM in the USA

   

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We'll refund other banks' surcharges on your monthly statement.

Free standard checkbook orders

   

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A $15 value that can be applied to other checkbook orders.

Waived fees for most bank services

   

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Includes stop payments, wire transfers, overdraft transfers, home equity annual fee, safe deposit box annual fee, and more.

Interest on checking balances of $100 or more

   

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Monthly maintenance fee

None

$16.50; waived with Direct Deposit or $5,000 in combined balances. **

$35.00; waived with $50,000 in combined balances.**

1.Also available as 18/65 Checking, with reduced/waived fees for customers age 18 and under or 65 and over. Ask for details

* First Ipswich Bank belongs to the SUM program and is a member of the NYCE and Cirrus ATM networks.  Learn more about surcharge-free SUM ATMs. ATMs that are not part of the SUM program may impose a surcharge for withdrawals. PREMIER ACCESS Checking customers will have these fees refunded on each monthly statement.

** Combined balance is calculated by adding together: a.) the average daily balance of all your non-retirement savings, checking and money market accounts since their last statement date (or interest posting date, for passbook accounts); b.) the current balance of all your CDs and IRA accounts, as of your checking account's statement date; and c.) the current outstanding principal balance of all your home equity lines/loans, overdraft line of credit, personal loans, and mortgages held by First Ipswich Bank, as of your checking account's statement date.

Click here for a complete list of terms, conditions and service charges, or speak with a personal banker for more information.