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Your everyday bank account should never get in the way of your every day. That’s why we offer a variety of checking accounts, including some that come with zero ATM fees. Plus, we have digital banking tools and a team of experts dedicated to helping you out whenever you need it.

Check out the benefits

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24/7 Online Banking

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Mobile Banking

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Debit & Credit Cards

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Mobile Wallet

Accounts for every journey.

Minimum to Open an Account

Monthly Service Charge

Other Requirements

ATM Rebates (Automatically Reimbursed)

Online Statements Required

Earns Interest

Free Use of Any SUM or AllPoint ATM

Additional Benefits

Student Checking1

FIND YOUR NEAREST BRANCH

$10

$0

$50 opening deposit to receive Debit Card

Unlimited

No

No

Yes

$50 graduation bonus

Free & Easy Checking2

OPEN AN ACCOUNT

$25

$0

$50 opening deposit to receive Debit Card

Unlimited, with direct deposit & Online Statements

Yes

No

Yes

Interest Rewards Checking3

OPEN AN ACCOUNT

$50

$0

12+ debit purchases, 1 direct deposit or auto debit, and online statements to earn rewards

Up to $25 per month, for qualified accounts

Yes

Yes

Yes

Check Rewards Checking4

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$100

$20

$10,000+ combined balances will eliminate Monthly Service Charge

No

Yes

Yes

Free Standard Checks, No-fee Bank Checks, $20.00 Annual Safe Deposit Box Discount, Special CD Rate Offers

Start Up Checking5

OPEN AN ACCOUNT

$25

$3

No

No

Yes

This “Bank On” account is offered in partnership with the City of Boston

Student Checking1

FIND YOUR NEAREST BRANCH

Free & Easy Checking2

OPEN AN ACCOUNT

Interest Rewards Checking3

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Check Rewards Checking4

OPEN AN ACCOUNT

Start Up Checking5

OPEN AN ACCOUNT

  1. Minimum deposit of $10 required to open account. Available to new Student Checking clients only, aged 13-24 years. At age 25, account will automatically convert to Free & Easy Checking. $50 minimum deposit required to receive debit card. To receive graduation bonus, a graduation diploma or certificate (dated after account opening) must be presented at any Dedham Savings location. Bonus will be deposited to account upon presentation of certificate or diploma. One offer per client. A 1099 will be issued for tax reporting purposes. ATM rebates are applied no later than the following business day of the transaction.
  2. Minimum deposit of $25 required to open account. ATM rebates are applied at end of monthly statement cycle. To qualify for ATM rebates, you must have online statements and monthly direct deposit. A direct deposit is a recurring deposit of a paycheck, pension, Social Security, or other regular monthly income, electronically deposited by an employer or outside agency into your account. $50 opening deposit to receive Debit Card.
  3. APY = Annual Percentage Yield. Minimum deposit of $50 required to open account. Personal accounts only. One account per client. To receive interest and reward, you must complete the following each qualification cycle: receive online statements, make 12+ posted and cleared debit card purchases, and have at least 1 posted and cleared direct deposit or ACH (Automated Clearing House) auto debit. A qualification cycle means a period beginning 2 days prior to the last statement cycle through 3 days prior to the current statement cycle. ATM rebates applied at end of monthly statement cycle; up to $25 for qualified accounts. If you do not meet the requirements per qualification cycle, your account will earn the lowest tier APY. Fees may reduce earnings. Deposits are insured up to current FDIC (Federal Deposit Insurance Corporation) limits and by the DIF (Depositors Insurance Fund) for all additional balances, up to any amount.
  4. Minimum deposit of $100 required to open account. Personal accounts only. Free standard checks or $10 credit toward custom check order. $20 monthly service fee waived with $10,000+ monthly combined deposit balances. Fees may reduce earnings on account. Deposits are insured up to current FDIC (Federal Deposit Insurance Corporation) limits and by the DIF (Depositors Insurance Fund) for all additional balances, up to any amount.
  5. Minimum deposit to open account is $25. $3 monthly service fee. Check writing is not available with account; however all digital payment transactions are available, such as debit card and bill payments, as well as account transfers and withdrawals. Overdraft Protection is not offered with this account.

Ready to open an account?

We make it easy to switch from your old bank — so easy, it only takes four steps. Start by opening your new account, then we’ll show you how to change direct deposits and withdrawals and close your old account. Let’s do this.

When we say we’re here for you, we mean it.

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Not sure which is the right checking account for you? Or need more information? We’d love to walk you through it. CONTACT US.