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Our checking accounts come with plenty of benefits, like online banking, bill pay, mobile banking and deposit, instant-issue debit cards, and more. But they also come with other nice perks—like friendly attention whenever you need it and a banking community you can count on. And with a network of 55,000+ free ATMs, our services are ready wherever, whenever you need them.

Check out the benefits

24/7 Online Banking

Mobile Banking

Debit & Credit Cards

Mobile Wallet

Find the checking account that checks all the boxes.

Minimum to Open an Account

Monthly Service Charge

Other Requirements

Online Statements Required

Earns Interest

ATM Rebates (Automatically Reimbursed)

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

No

No

Unlimited

Yes

$50 graduation bonus

Free & Easy Checking2

OPEN AN ACCOUNT

$25

$0

$50 opening deposit to receive Debit Card

Yes

No

Unlimited, with direct deposit & Online Statements

Yes

Interest Rewards Checking3

OPEN AN ACCOUNT

$50

$0

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

Yes

Yes

Up to $25 per month, for qualified accounts

Yes

Check Rewards Checking4

OPEN AN ACCOUNT

$100

$20

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

No

Yes

Yes

Free Checks, Free Money Orders, $20 Annual Safe Deposit Box Discount, Special CD Rate Offers

Student Checking1

FIND YOUR NEAREST BRANCH

Free & Easy Checking2

OPEN AN ACCOUNT

Interest Rewards Checking3

OPEN AN ACCOUNT

Check Rewards Checking4

OPEN AN ACCOUNT

  1. Minimum deposit of $10 required to open account. Student Checking Available to new personal Student Checking customers only, aged 16-24 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 customer. A 1099 will be issued for tax reporting purposes. Dedham Savings does not charge a fee to use another bank’s ATM. If another bank charges an ATM fee (surcharge), ATM rebates applied no later than following day of transaction. ATM rebates applied no later than following day of transaction. $50 minimum deposit required to receive debit card.
  2. Minimum deposit to open account is $25. Free & Easy Checking Account ATM rebates are applied at end of monthly statement cycle. To qualify for ATM rebates, you must have online statements and 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. Minimum deposit of $50 required to open account. Personal accounts only. One account per customer. 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. $100 minimum deposit required to open account. Personal accounts only. Free standard checks or $10 credit toward custom check reorder. $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.

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