Build for tomorrow with a checking account designed for your life. Our personal checking accounts make managing your money simple, secure, and rewarding. Whether you’re looking for everyday flexibility or premium banking benefits, our checking account options are built to fit your goals — with features that help you bank smarter and plan for the future.
Our Flex Checking account gives you freedom and convenience — no monthly maintenance fees, free ATMs worldwide, and access to free credit score monitoring. Pair it with our GoalGetter Savings account to set and reach your financial goals faster.
Our Premium Checking account is designed for customers who maintain higher balances seeking exceptional value, convenience, and returns. Enjoy free ATMs, a premium interest rate, and access to our exclusive Premium Money Market Account — all while experiencing personalized service and benefits tailored to you.
All Needham Bank checking accounts come with secure, easy-to-use digital tools and valuable benefits to make everyday banking simple.
Free ATMs Worldwide – Enjoy full ATM fee reimbursement — access your money wherever you go.
| Features | Flex Checking | Premium Checking |
|---|---|---|
| Ideal for | Everyday banking with no fees and simple money management | High-net-worth individuals who want premium rates and exclusive benefits |
| Minimum to Open | $10 | $10 |
| Monthly maintenance fee if requirements aren't met | None | $25 |
| Requirement to waive monthly maintenance fee each statement cycle | N/A | eStatements and $5,000 in direct deposits or $50,000 in combined deposits at Needham Bank |
| Interest-bearing | Yes | Yes |
| Debit Mastercard(R) | Included with chip security and contactless payments | Included with chip security and contactless payments |
| How to Open | Apply Online | Apply Online |
| Additional Features | Free ATMs worldwide, free credit score monitoring, GoalGetter Savings pairing | Free ATMs, premium interest rate, access to Premium Money Market, exclusive perks |
You can have as many checking accounts as you want! However, when it comes to personal finances, intention and strategy go hand-in-hand. Let’s talk about why you might need more than one and how we can help.
If a checking account is like your money’s home base, a savings account is like a secret room. Stashing funds away in a savings account means they’re not quite as easily accessible, and you’ll usually earn a little more interest too.
Good news: Your Flex Checking account has no minimum balance requirement to earn interest. However, if we’re talking about financial health, it’s probably a good idea to keep enough money to cover things like bills, outings, and unexpected expenses. If you’re not sure what that number is, we can help!
Nope! You can open your free Needham Bank checking account without worrying about a ding on that shiny credit score.
All you need to open a checking account is five minutes — plus some basic personal information and an ID, like your driver’s license.
Quickly and easily open an account in just 5 minutes.
Complete your one-time verification to access your account below.
If you have already followed this process, you can log in using the Needham Bank login button.
Need help? Contact our Customer Care Center or call: 781-444-2100.
