Checking

Free Checking Accounts Massachusetts
Open a Free Checking Account in MA

Open a checking account online with UniBank today. 

Find what works for you, whether you're just getting started as a student or are an active or retired military service member. Wherever you are in life, UniBank gives you options.

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Existing UniBank Customers:
Opening a new UniBank account has never been easier!
Log in to Online Banking for a quicker account opening process.

Universal Features:

  • Online Banking
  • Mobile Banking
  • Bill Pay
  • eStatements
  • Overdraft Coverage
  • Quicken Compatibility
 

Types of Checking Accounts*

e by UniBank1

  • Interest Bearing
  • Unlimited waived fees for Non-UniBank ATMs2
  • Non-UniBank ATM surcharge refunds of up to $25/statement cycle3 
  • No Monthly Fee/ Minimum Balance

Military Checking6

  • Interest Bearing
  • Free Checks6
  • 5 Non-UniBank ATM fees waived per statement cycle2
  • No Monthly Fee/ Minimum Balance

Free Student Checking8

  • 8 Non-UniBank ATM fees waived per statement cycle2
  • No Monthly Fee/ Minimum Balance

Free Checking

  • Non-interest Bearing
  • No Monthly Fee/ Minimum Balance

Free Checking 18-65

(For persons 65 years of age or older or 18 years of age or younger)
 
  • Non-interest Bearing
  • Free Checks7
  • No Monthly Fee/ Minimum Balance













































































* 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 Allpoint or MoneyPass networks. 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.

 

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Overdraft Coverage

 
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Moving over your accounts made quick and easy.

We know you have a lot of options when it comes to banks, and we're glad you chose us. Our SwitchKit checklist helps you remember all the steps you need to take to fully move your accounts over.

 
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