Massachusetts is one of the best-supplied states on the Bank On roster: 44 certified checking accounts, ranking it #10 of the 51 states and territories we track and putting it well above the national median of 32. 22 of those come from institutions based in or focused on Massachusetts and 22 from national banks. At 50% locally supplied against a 36% median across states, Massachusetts is one of the markets where a certified account is most likely to come from a hometown bank or credit union.
31 of the 44 carry a $0 monthly maintenance fee; the 13 that do charge run from $3 to $25 a month. 32 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $50. 43 run no overdraft program at all; the other 1 still cannot charge overdraft or NSF fees on the certified account itself and offer coverage only as a separate service you would have to opt into.
Of the 22 state-based listings, the most come from BayCoast Bank, Beacon Bank & Trust Bank and Bristol County Savings Bank.
Alliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBCU
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCape Cod 5
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDiscover Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBank of America
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCitizens Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyLendingClub
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCapital One
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBeacon Bank & Trust Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankBerkshire Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyUSALLIANCE Financial Dora
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankReading Cooperative Honest
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBayCoast Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankCambridge Savings Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankMechanics Cooperative Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyThe Cooperative Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankDigital Federal Credit Union Dora
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyGreenfield Cooperative Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyMetro Credit Union Safeguard
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyNorthEast Community Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyService Federal Credit Union Dora
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyWakefield Cooperative Bank, Partnered with Reading Cooperative Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyChase
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlly Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyQuorum Federal Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyMain Street Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyKeyBank Hassle-Free
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyNBT Bank NBT
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFidelity Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCathay Bank
Costs you per year
$36.00
$3.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDedham Savings Start
Costs you per year
$36.00
$3.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplySantander Bank Santander
Costs you per year
$48.00
$4.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyWebster Bank
Costs you per year
$54.00
$4.50 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyTD Bank TD
Costs you per year
$59.40
$4.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyPNC Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCitizens Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyClinton Savings Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBMO
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyEast Cambridge Savings Bank
Costs you per year
$120.00
$10.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$144.00
$12.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBristol County Savings Bank
Costs you per year
$180.00
$15.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyTrustco Bank Home Town
Costs you per year
$300.00
$25.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Apply