Personal Checking
Managing your money shouldn’t include a bunch of rules and extra fees. At Needham Bank, we built the best checking account around 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. Plus, you can set up a digital wallet by liking your NB Debit Mastercard to Apple Pay, Google Pay or Samsung Pay for enhanced security, reduced fraud, and more convenience when making payments in stores, online and during in-app purchases. Learn 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 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®
Zelle® - Send and Receive Money
Zelle® is a safe and easy way to send money fast, all you need is the recipient’s U.S. mobile number or email to send money directly to their bank account. Learn more about Zelle® - Send and Receive Money
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
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
Bret LaBelle“At a big bank you’re just a number — nobody knows you and nobody cares. At Needham Bank, that’s not the case. You always receive the best service and feel like the most important...
Learn more about Bret LaBelleOur Insights About Personal Checking
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