Low-cost checking accounts in Massachusetts

There are 44 Bank On certified checking accounts available to residents of Massachusetts. Of those, 31 carry a $0 monthly maintenance fee and 43 charge no overdraft fees at all. 22 come from local or regional institutions rooted in Massachusetts, while 22 are offered by national banks serving customers across the country.

Certified accounts
44
$0 monthly fee
31
No overdraft fees
43
Local institutions
22

LendingClub

Level Up Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
-1+

Bank of America

SafeBalance Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
Yes
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Citizens Bank

Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
None (No fees for using any ATM)

Capital One

360 Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
70,000+

BCU

Go Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Beacon Bank & Trust Bank

On Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

Berkshire Bank

MyFreedom Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

USALLIANCE Financial Dora

Everyday Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

Reading Cooperative Honest

Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

BayCoast Bank

BayCoast Wave Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

Cambridge Savings Bank

CSB Achieve Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

Cape Cod 5

CC5 BankOn

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
N/A

Digital Federal Credit Union Dora

Everyday Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
30,000+

Greenfield Cooperative Bank

Access Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Greenfield Cooperative Bank

Mechanics Cooperative Bank

BankOn Choice Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Metro Credit Union Safeguard

Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Metro

NorthEast Community Bank

Free Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Visa

Service Federal Credit Union Dora

Everyday Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
30,000+

The Cooperative Bank

ON

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

Wakefield Cooperative Bank, Partnered with Reading Cooperative Bank

On Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Alliant Credit Union

High-Rate Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Alliant Credit Union

Teen Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Ally Bank

Spending Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
75,000+

Chase

Secure Banking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
14,000+

Discover Bank

Cashback Debit Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

nbkc bank

Everything Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Quorum Federal Credit Union

QFlex Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Main Street Bank

BankOn Main Street Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$10
Overdraft fees
None
Free ATMs
1+

KeyBank Hassle-Free

Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$10
Overdraft fees
None
Free ATMs
KeyBank

Fidelity Bank

BankOn Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$25
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

NBT Bank NBT

iSelect Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$25
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Dedham Savings Start

Up Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$3.00
To open
$25
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Cathay Bank

Everyday Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$3.00
To open
$25
Overdraft fees
None
Free ATMs
PULSE Select® / Money Pass®

Santander Bank Santander

Essential Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.00
To open
$10
Overdraft fees
None
Free ATMs
Santander

Webster Bank

Webster Connect Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.50
To open
$0
Overdraft fees
None
Free ATMs
40,000+

TD Bank TD

Essential Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.95
To open
$0
Overdraft fees
None
Free ATMs
TD

PNC Bank

Simple Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$0
Overdraft fees
None
Free ATMs
60,000+

Citizens Bank

Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Clinton Savings Bank

Less Stress Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$10
Overdraft fees
None
Free ATMs
55,000+

BMO

Smart Money Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
40,000+

East Cambridge Savings Bank

East Cambridge Access Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$10.00
To open
$25
Overdraft fees
None
Free ATMs
SUM

nbkc bank

Money Market Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$12.00
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Bristol County Savings Bank

Access Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$15.00
To open
$10
Overdraft fees
None
Free ATMs
2+

Trustco Bank Home Town

BankOn Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$25.00
To open
$50
Overdraft fees
None
Free ATMs
55,000+

Next steps for Massachusetts residents