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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. Fees for replacement cards may apply. Refer to Consumer Banking Schedule of Charges for details.

Check order fees may apply.

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. Fees for replacement cards may apply. Refer to Consumer 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. Fees for replacement cards may apply. Refer to Consumer 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

  • Earn 0.65% Annual Percentage Yield (APY)* on balances up to $50,000
  • Earn 0.15% Annual Percentage Yield (APY)* on balances over $50,000
  • Receive refunds of qualified ATM charges imposed by other bank ATMs nationwide**
  • Free Online Banking and mobile app***
  • Free Mobile Deposit*** for qualified customers
  • Free eStatements
  • Free initial ATM/Debit Card with access to thousands of surcharge-free ATMs****
  • Overdraft protection from your savings account available (refer to Consumer Banking Schedule of Charges)

*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 July 1, 2019. The rate is variable. The rate and APY may change at any time after the account is opened. Available on consumer 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. Fees for replacement cards may apply. Refer to Consumer Banking Schedule of Charges for details.

Statement Savings

Grow your money with our Statement Savings account! Your savings activity and interest earned are noted so that you have the information you need to plan financially.

Features

Statement savings accounts are available to people 13 years or older. Children 12 or younger are required to have a parent/guardian as joint account-holder. You may make only six (6) withdrawals or transfers to another party or to another account per month or statement cycle by means of pre-authorized or automatic transfers, telephone, electronic transfers, facsimile transmission, computer, check or debit card. Interest compounded monthly on balances of $10.00 or more

*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. Fee for replacement cards may apply. Refer to Consumer Banking Schedule of Charges for details.



Money Market

This special account gives you the advantage of Money Market rates and access to your money any time. The interest rate on this account is tiered so that as your account balance grows, so does the interest rate that you receive!

Features

  • $1,000 minimum deposit to open
  • Tiered interest rates
  • Up to six (6) withdrawals or transfers per month*

*You may make only six (6) withdrawals or transfers to another party or to another account per month or statement cycle by means of pre-authorized or automatic transfers, telephone, electronic transfers, facsimile transmission, computer, check or debit card. Haverhill Bank reserves the right to transfer your funds to a checking account should you make transactions in excess of the limitations as described above.
Refer to Consumer Banking Schedule of Charges for details.

12 Month CD

Our 12 month certificate of deposit (CD) offers a competitive rate and convenient  term to fit your short-term saving needs. Interest rates are fixed and guaranteed for the full term of your deposit. 

Features

  • Competitive rate
  • $500 minimum balance required to open and to earn interest
  • Interest on term deposits is compounded monthly

Rates subject to change without notice. Minimum $500 to open account and earn Annual Percentage Yield (APY). Transactions are not allowed during the term of the CD. Penalties apply for early withdrawals. For account-related fees, please see our Consumer Banking Schedule of Charges.

2 Year CD

Our 2 year certificate of deposit (CD) offers a competitive rate and convenient term for any savings goal. Interest rates are fixed and guaranteed for the full term of your deposit. 

Features

  • Competitive rate
  • $500 minimum balance required to open and to earn interest
  • Interest on term deposits is compounded monthly

Rates subject to change without notice. Minimum $500 to open account and earn Annual Percentage Yield (APY). Transactions are not allowed during the term of the CD. Penalties apply for early withdrawals. For account-related fees, please see our Consumer Banking Schedule of Charges.