New to banking? No worries. We’ve got a convenient, cost-saving account just for you.

Welcome! There’s a lot to consider when choosing the right account, so we’ll make this easy. In partnership with the City of Boston’s Bank On program, our Start Up Checking1 account is a safe and affordable alternative to costly check-cashing and related services. It’s often those small fees that add up over time – catching you, and your account balance, off-guard.

Our Start Up Checking account includes free paycheck deposits, and free payment options like Online Bill Pay, Debit Card, Mobile Wallet, and even Zelle® – helping you avoid unexpected overdraft and related fees. That way you can put the money toward more important things, like household expenses, savings, and long-term financial goals.   

Another big step in your financial journey is establishing a credit history. Our Secured Credit Card2 option can help with that, too.

So, what are you waiting for? Let’s get started!

The Perks

Free Check Deposit

Free Online Bill Pay

Free Debit Card

24/7 Online & Mobile Banking

  1. 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.
  2. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated.
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Mobile App

Bank anywhere, anytime, and any way you want.

To start using Mobile Banking, be sure to sign up for Online Banking first.

Deposit Checks

Now you can deposit checks in a snap. Literally. Just take a picture.

Send and Receive Money Instantly

With Zelle®, you can easily send money in minutes to your friends and family, straight from your Checking account in the Dedham Savings mobile app. It doesn’t even matter where they bank.

Personal Finance

Use this free service in Online Banking & Mobile Banking to view all your accounts in one location, create budgets, manage spending, set goals, and more.

View Your Credit Score

Get instant access to your credit score, credit report, and credit monitoring.

Control Your Cards

With Debit Card Controls, you control when, where, and how your Debit Card can be used.

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I’m ready to open an account!

We’re so glad you’ll be joining the family, let’s get started.

I’m not sure yet.

It’s important to find an account that works best for you.  Take a look around and if you’ve got questions, we’ll be here with answers.  

Start Up Savings

Designed for first-time savers, this account helps you save faster. Way faster. At 5.00% APY1, you’ll reach those goals before you know it. 

Credit Cards

It’s great to have options, especially when it comes to credit cards. Whether you’re looking to build credit or earn rewards, we’ll help you find a card that does the trick.

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