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Free Regular Checking

That's right … free! With this personal checking account, you don’t have to worry about a monthly fixed charge or maintaining a minimum balance. Enjoy freedom like no other with Free Regular Checking.

Features

*Data fees from your mobile carrier may apply.

**You may access ATMs bearing the SUM and/or MoneyPass logos without incurring a surcharge by the owner of the ATM. Non-SUM and Non-MoneyPass ATM owners may charge for use. Haverhill Bank fees may apply. Refer to Comsumer Banking Schedule of Charges for details.

NOW Checking

Looking for a checking account that gives you all the perks you want - now? We have the account for you! Haverhill Bank's NOW Checking account not only allows you to earn interest on your balance, but also comes equipped with all of our online services at no additional cost!

Features

*Monthly fixed charge and per check charges will be waived on your NOW Checking account if you maintain a daily minimum balance of $400, or if the combined balance of your NOW Checking account, saving accounts, money market accounts and certificates of deposit are $5,000 or more everyday during the statement cycle.

**Data fees from your mobile carrier may apply.

***You may access ATMs bearing the SUM and/or MoneyPass logos without incurring a surcharge by the owner of the ATM. Non-SUM and Non-MoneyPass ATM owners may charge for use. Haverhill Bank fees may apply. Refer to Comsumer Banking Schedule of Charges for details.

Gold Checking

Give your finances a boost with a Gold Checking Account! Gold Checking is a lot like our NOW Checking but includes additional benefits like ATM fee reimbursements (limits apply), free money orders & cashiers checks, free regular check orders and more!

Features

$10 monthly fixed charge and per check charges will be waived on your Gold Checking account if the combined balances of your Gold Checking account, savings accounts, money market accounts, IRA's and Certificates of Deposit are $10,000.00 or more everyday during the statement cycle.

*You are eligible for reimbursement of ATM surcharges imposed by other banks (maximum $40.00 per account, per statement cycle). ATM reimbursements will be credited to your Gold Checking account on the last day of your statement cycle.

ATM Surcharges BetweenRefund Policy
$.01 and $3.00Reimbursed in full up to $40 per account per statement cycle
$3.01 to $4.99Reimbursed at $3.00 per transaction up to $40 per account per statement cycle
$5.00 or moreNot reimbursed, even in part

**Data fees from your mobile carrier may apply

***You may access ATMs bearing the SUM and/or MoneyPass logos without incurring a surcharge by the owner of the ATM. Non-SUM and Non-MoneyPass ATM owners may charge for use. Haverhill Bank fees may apply. Refer to Comsumer Banking Schedule of Charges for details.

Rewards Checking

This checking account really pays! With a Rewards Checking account, you receive all of our convenient services at no additional charge, ATM reimbursements and you earn a special bonus rate!

Features

*0.65% Annual Percentage Yield (APY) paid on balances up to $25,00.00, 0.65% APY on balances from $25,000.01 to $50,000.00 and 0.15 APY% on balances over $50,000.00 each statement cycle the qualifications are met (with an APY of 0.48% assuming the maximum deposit of $75,000.00). Rates are accurate as of January 11, 2016. The rate is variable. The rate and APY may change at any time after the account is opened. Available on personal accounts only.

Fees could reduce earnings on the account.

**ATM reimbursements will be credited to your Rewards Checking account on the last day of your statement cycle. Reimbursements are limited to $30.00 per account, per cycle.

ATM Surcharges BetweenRefund Policy
$.01 and $3.00Reimbursed in full up to $30 per account per statement cycle
$3.01 to $4.99Reimbursed at $3.00 per transaction up to $30 per account per statement cycle
$5.00 or moreNot reimbursed, even in part

ATM withdrawals do not count as qualifying debit card transactions. Debit card transactions processed by merchants and received by the bank as ATM transactions do NOT count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as Point of Sale (POS) transactions count toward qualifying debit card transactions.

Each monthly qualification cycle, you must:

  • Have at least 10 debit card purchases post and settle (or clear your account)
  • Have at least one direct deposit or automatic payment post and settle (or clear your account)
  • Receive your statement electronically
  • Access online banking

Qualifying transactions are measured for items posted to and settled (or cleared) your account for the monthly period beginning the last business day of the previous statement cycle through the next to last business day of the current statement cycle. If you do not meet the qualifying transactions you will earn 0.10% APY and will not receive any applicable ATM fee reimbursements.

In additional to qualifying transactions, you must alo meet the following Rewards Checking requirements each cycle:

  • Maintain an online account with a current valid email address
  • Maintain an active debit card

If you do meet the requirements, Haverhill Bank reserves the right to convert your account to the Regular Checking Account.

***Data fees from your mobile carrier may apply.

****You may access ATMs bearing the SUM and/or MoneyPass logos without incurring a surcharge by the owner of the ATM. Non-SUM and Non-MoneyPass ATM owners may charge for use. Haverhill Bank fees may apply. Refer to Comsumer Banking Schedule of Charges for details.