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Checking Accounts


Open a Free Checking Account Online 

Open a checking account online with UniBank today. UniBank offers free checking accounts in Massachusetts with the convenience of online services.
 
Find what works for you, whether you're just getting started as a student or are an active or retired military servicemember, find what works for you. Wherever you are in life, UniBank gives you options. 
 
 

Universal features:

Laptop with dollar sign icon
Online Banking
Mobile Deposit icon
Mobile Banking
Hand with money icon
Bill Pay
eStatement icon
eStatements
Overdraft Coverage icon
Overdraft Coverage
Quicken icon
Quicken Compatibility
Checking Account*
Monthly Fee/ Minimum Balance
(To Avoid Monthly Maintenance Fee)
Features and Benefits
(Partial Listing)
e by UniBank1

None

Interest Bearing

Unlimited waived fees for Non-UniBank ATMs2

Non-UniBank ATM surcharge refunds of up to $25/statement cycle3

Military Checking6

None

Interest Bearing

Free Checks6

5 Non-UniBank ATM fees waived per statement cycle2
Free Student Checking8

None

8 Non-UniBank ATM fees waived per statement cycle2
Free Checking

None

Non-interest Bearing

Free Checking 18-65

(For persons 65 years of age or older or 18 years of age or younger)

None

Non-interest Bearing

Free Checks7
* Free Services for Convenient Money Management including Online Banking, Bill Pay, Mobile Banking4, Mobile Deposit5, Telephone Banking, Visa® Debit Card
 
1The following benefits can be obtained in a given monthly statement cycle when the statement cycle conditions noted below are met: Payment of a higher interest rates and refund for nationwide ATM surcharge transaction fees to a maximum of $25 per cycle. Statement cycle conditions: Must have a minimum of 8 debit card purchase transactions that post and settle to the account during the statement cycle (not all purchase transactions post or settle on the day they occur); and maintain active enrollment in eStatements. Limit of one account per customer holding the position of primary account holder. Fees may reduce earnings on the account. The account does not have a maximum deposit limit. See Deposit Rates for further e by UniBank account details.
 
2Non-UniBank ATM fee waivers apply to UniBank fees charged for use of non-UniBank ATMs. Customers may be charged ATM surcharge fees by the bank that owns the ATM, unless the ATM is in the SUM network. Waivers do not apply to international ATM transactions.
 
3Non-UniBank ATM surcharges are those fees charged by the bank that owns the non-UniBank ATM used.
 
4UniBank does not charge for using our Mobile Banking service. Your mobile carrier may charge for text messages, data transfer fees, and/or web access. Check your wireless plan for details.
 
5Must have a UniBank Deposit Account, Online Banking, and Mobile Banking. Additional requirements apply, inquire for details.
 
6Proof of service required: For active military service members, please provide a military ID. For veterans please provide form DD214 as proof of service status to qualify. To be eligible for free checks, one signer on the account must be a current military service member or veteran. Free standard specialty blue wallet checks.
 
7To be eligible for free checks, the primary account holder on the account must be 65 years of age or older or 18 years of age or younger. Free standard specialty blue wallet checks.
 
8Must present valid student ID and be at the age of 22 and under. Individual accounts available for students 16 to 22, under 16 must open with a parent or legal guardian. Enrollment in eStatements is required. 
 

     Overdraft Coverage 

Other Unique Ways We Serve You.  

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Saving Options

Whatever your savings goals are, UniBank has a solution to help get you there safely and securely. 
 
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Online & Mobile

Convenient tools to help you manage your money are available with all your UniBank accounts. You can keep track of your finances no matter where the road may take you!

Debit cards

ATM/Debit Cards

With convenient on-the-go payment options from UniBank you will be able to access the funds in your accounts, simply, around the world.