Free Checking That’s Actually Free

Free banking with 55,000+ ATMs nationwide
Open Today

Banking Made Simple & Affordable

We’ve designed our Free Checking for neighbors and friends like you. Whether you’re just starting out, raising a family, or enjoying retirement, you’ll get everything you need without paying for what you don’t. Additional terms, conditions, and fees may apply.

What You’ll Love About It

  • No monthly fees ever—we mean it when we say free checking 
  • No minimum balance worries—keep what works for your budget 

Extra Perks We Include

  • Earn rewards points when you use your debit card on everyday purchases 
  • Free welcome checks to get you started—no need to wait or pay extra2 
  • Free Bill Pay so you can ditch stamps and late fees forever 

Your Free Checking Questions

We know you have questions about free checking—and honestly, you should. Here’s what makes us different.

Simple—we don’t charge monthly fees or require minimum balances. When we say free, we mean it. No fine print surprises.

Just $25 gets you started. After that, there’s no minimum balance requirement. Keep what makes sense for you.

Absolutely! Our mobile app lets you deposit checks by snapping photos. It’s secure and works 24/7.

Your account has no monthly fees or minimum balance requirements. We may charge for extra services like stop payments or Courtesy Overdraft when you use those specific services.

We’re your neighbors. We invest in Cape Cod, make decisions locally, and know your name when you call.

Ready to Switch to Free Banking?

Join thousands of neighbors who have made the switch to truly free checking. Open your account online in minutes, visit us in person, or give us a call at 508-568-3400.

Open Today

Banking That Fits Your Life

We’ve built our mobile app with busy lifestyles in mind. Manage your account, deposit checks, pay bills, and track spending—all from wherever you are.
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Online Banking Enrollment

Set up secure access to manage your money anytime, anywhere.
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MyCapeRewards Program

Earn points on debit card purchases for exclusive rewards.
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Choose eStatements

Access statements online and help the environment too.

More Ways We Can Help You

Your Free Checking is just the start. We’ve got other personal banking solutions designed to help you save more, earn more, and reach your financial goals.
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SmartRate Checking Account
Want to earn interest while you bank? Our SmartRate Checking gives you the best of both worlds—no fees plus earnings.
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50-Plus Interest Checking
Designed especially for folks 50 and better. Earn great rates with no minimum balance or monthly fees to worry about.
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Personal Savings Account
Ready to grow your savings? Our savings accounts offer competitive rates and no monthly fees—a perfect pairing with your checking.

1Other banks may charge a fee for the use of their ATM. 
2One free order of basic style welcome checks. 
3There are no bank fees for this service, but standard wireless/data plan fees and/or text rates apply. Consult your provider.