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Personal Checking Accounts

EARN MORE WITH OUR SPECIAL CD AND PREMIER CHECKING PACKAGE!

19 MONTH CD ~ 2.85% APY*
Premier Checking ~ 1.00% APY**

  • Free use of ATMs anywhere in the U.S.
  • Reimbursement of ATM surcharges up to $10 per statement cycle at non-Wakefield Co-op ATMs
  • Monthly fee of $15 is waived with direct deposit or combined loan and deposit balance of $25,000
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      *New accounts, new money only. Rates subject to change. Must open both accounts to receive promotional rates. If Premier Checking account is closed prior to CD maturity, CD will default to the current 18 month rate. If CD is closed prior to maturity, Premier Checking account will default to the current, tiered Premier Checking rate.

      19 month Certificate of Deposit Annual Percentage Yield (APY) is effective as of 1/30/19 and subject to change. $500 minimum to open, $250,000 maximum. Fees could reduce earnings. Rates and APY’s on term deposits are guaranteed for the length of the term. There are no minimum balance requirements to obtain the APY. Early withdrawal penalties will be imposed.

      **Premier Checking monthly fee of $15 is waived with direct deposit or combined loan and deposit balance of $25,000. No Wakefield  Co-operative Bank ATM withdrawal fees anywhere  in the U.S. Reimbursement of other bank’s ATM fees up to $10 per statement cycle. Interest is compounded daily and credited monthly. 1.00% APY effective as of 1/30/19 and guaranteed for 19 months from account opening and subject to change thereafter. There is no minimum balance required to obtain the promotional rate. Fees could reduce earnings on the account. Offer may be withdrawn at any time.

       

      Premier Checking

      • Earns interest
      • MasterCard® debit/ATM card
      • Free use of ATMs anywhere in the U.S.
      • Reimbursement of surcharges up to $10 at ATMs not on SUM® Network
      • Free checks
      • Unlimited check writing and no per check charge
      • Monthly fee of $15 is waived with direct deposit or combined loan and deposit balance of $25,000
      • Free stop payments and bank checks
      • Overdraft line of credit available to qualified applicants

       

      Free Checking
      • No minimum balance required
      • No monthly fees
      • MasterCard® debit/ATM card
      • Unlimited check writing and no per check charge
      • First order of standard checks is free
      • Overdraft line of credit available to qualified applicants

       

      N.O.W.
      • Variable rate of interest
      • No monthly fee if daily balance is $750 or more
      • MasterCard® debit/ATM card
      • Unlimited check writing
      • Overdraft line of credit available to qualified applicants

       

      FREEDOM Checking

      Our FREEDOM checking account is available to ages 16 through 25* and offers these great benefits:

      • No Wakefield Co-operative Bank ATM withdrawal fees at any ATM, anywhere in the U.S.
      • Reimbursement of up to $20 per statement cycle for ATM surcharges assessed by banks not on the SUM® Network
      • Earns a higher interest rate on balances up to $500**
      • Free use of Quicken® within your online banking account MasterCard
      • MasterCard® debit card
      • Free eStatements and online & mobile banking
      • First order of checks is free
      • Monthly fee of $20 waived with enrollment in online banking
      • Overdraft line of credit available to qualified applicants

      *Parental co-signer required under age 18. **Balances over $500 will earn the standard NOW Checking interest rate. ***Account will automatically switch to Free Checking at age 26.