Checking Accounts

Checking accounts are the foundation of personal money management, giving you the ability to handle your finances easily and efficiently.

  Monthly Service Charge Balance to Waive Monthly Service Charge Benefits
Premium Plus Checking $15 $10,000 average combined monthly balances 1 for statement period
  • High interest tiers for balances of $25,000 up to $50,000 and for $50,000 and more (Requires Direct Deposit)
  • Plus benefits listed below
Premium Checking $15 $10,000 average combined monthly balances 1 for statement period
  • Access to Premium CD Specials
  • Free logo checks
  • Free Travelers Checks
  • CheckReserve fee waived
  • Companion Premium Savings with preferred rates
  • .25% discount on consumer loans with automatic debit
  • Plus benefits listed below
Personal Interest Checking $5 $500 average daily balance
  • Earns interest
  • Plus benefits listed below
Basic Checking None Not applicable
  • Free Merrimack 24 Online Banking and Bill Payment
  • Free Merrimack 24 ATM/Debit Card
  • Free foreign transactions
  • Surcharge-free transactions at MCSB-owned machines and SUM Program participating machines
  • Unlimited transactions
  • Free logo checks for Seniors (2 box maximum per year) 3
Basic Checking for Seniors (62+ years) None Not applicable
Bank@Work Checking None Not applicable All the benefits of Basic Checking plus:
  • CheckReserve Overdraft Protection (if approved) annual fee waived
  • Mortgage loan discount 4
  • Free travelers checks
  • Earns interest
Requirements: Direct Deposit and employer participation. To find out if you’re eligible, call or visit a customer service representative, ask us now, or ask your employer.
  1. Average combined monthly balances for Premium Checking may draw from:
    • Linked eligible deposit accounts
    • Consumer installment loans
    • Home equity loans and lines of credit
    • Residential mortgages
  2. Line amount must be $100,000 or more, with automatic monthly payment from a Merrimack account, and $25,000 initial draw at closing.
  3. Free logo checks for Senior checking only.
  4. Mortgage related discount not available on special products that offer other discounts on closing costs and/or other special mortgage promotions.