Personal Checking
Managing your money shouldn’t include a bunch of rules and extra fees. At Needham Bank, we built the best checking account in the neighborhood with great features to make your life simple. With NB Checking, you don't have to worry about monthly fees, plus - you'll get big bank technology, exceptional service, and you'll earn interest without any minimum balance requirements.
Free ATMs Worldwide
We provide full ATM reimbursement at every ATM in the world, so you save money on ATM fees any time you use another bank's ATMs. NB Checking is even recognized by Investopedia, ranked in the top 7 for the best checking accounts with no ATM fees.
The Best in Mobile and Online Banking
Access and manage your finances wherever you are in the world, without having to go to a bank every time. NB Online and Mobile tools make remote banking easy. You can view real-time account details and transaction history, deposit checks using your phone, move funds or send them to another person, and much more.
Personal Finance Management
Our online banking suite also includes Personal Finance Manager, a free tool to help you create a budget, categorize and track expenses, set goals and track your progress. You can use this tool to track activity not only on your Needham Bank accounts, but any other deposit, investment loan, or credit card you may have elsewhere.
NB Money Management
Streamline your finances with NB Money Management, a useful and helpful tool for budgeting, goal-setting, and more. Learn more about NB Money Management
NB Debit Mastercard®
Access your funds anywhere in the world and online with your NB Debit Mastercard®. Every ATM is yours to use freely. Learn more about NB Debit Mastercard®
Personal Checking Highlights
- Use any ATM for free through full ATM reimbursement! Ranked in the top 7 for best checking accounts with no ATM fees by Investopedia
- No monthly fees
- No minimum balance required to earn interest
- Top rated mobile app
- Cash Back Rewards
- Personal Finance Manager
- All deposits insured in full
- Complimentary checks
- Pays Interest
How to Open a Deposit Account Online

Serving Our Clients
Protecting Yourself Against Debit Card FraudNeedham Bank shares your concern about debit card fraud. Learn how you can identify and protect yourself against phishing scams and more.
Learn more about Protecting Yourself Against Debit Card FraudOur Insights About Personal Checking
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Online scams are abundant in the digital age. Explore different types of scams with Needham Bank and remember to always report suspicious behavior.
Learn more about Avoiding Online Scams in the Digital AgeWe've built the best checking account in the neighborhood. Open your NB Checking account online today or schedule a time to speak with a Personal Banker at one of our branches.