Checking

*  10 POS debit card transactions required each calendar month or a $10 monthly service fee applies. Account includes free monthly e-Statements. To receive paper statements, a $5.00 fee applies each statement cycle. Dean Bank does not charge its customers for ATM or Debit MasterCard® transactions made anywhere in the world. However, other banks and owners of ATMs may impose a “surcharge” or “convenience fee” for using their machines. All Access Checking provides unlimited rebates for such transactions each month. Rebate will appear as a statement credit approximately 2 Business Days after surcharge is incurred. 4.07% APY on balances up to $3,000 and 4.07% to 0.50% APY on balances over $3,000 valid as of December 7, 2022 and subject to change without notice. $25 minimum deposit required in order to earn APY.

** Account eligible for Dean Bank Debit Card Rewards. Eligibility determined upon account opening and Debit Card application. You are responsible for any personal tax liability related to participation in the Program or as a result of points earned or redeemed. Dean Bank is not responsible for managing or administering the Program or providing services under the Program. Program Administrator reserves the right to change these rules at any time, for any reason and without notice. Customers with questions or concerns regarding the Dean Bank Debit Card Rewards program are invited to contact 508.528.0088 or visit any branch and speak with Customer Service during regular business hours.

Students as young as elementary school may open a Dean's List Account. The Account will remain open until the account holder reaches their 23rd birthday, at which time the Account will convert automatically to a standard All Access Account (unless the customer contacts the bank to make other arrangements prior to their 23rd birthday). Account holders under 18 must have a parent or guardian on the account. No checks are available, and a Debit card is optional - customers 12 and older may have one issued. Paper statements will be issued until the customer registers for Online / Mobile Banking and opts in.

¹ Pre-authorized debit card transactions may cause an overdraft fee of $5.00. Speak to a banker for details.

² APY = Annual Percentage Yield. 4.07% APY on balances up to $3,000 and 4.07% to 0.50% APY on balances over $3,000, valid as of September 1, 2025 and subject to change without notice. $25 minimum deposit required in order to earn APY. $1.00 minimum deposit required to open an account.

³ Dean Bank does not charge its customers for ATM or Debit MasterCard^® transactions made anywhere in the world. However, other banks and owners of ATMs may impose a “surcharge” or “convenience fee” for using their machines. The Dean's List  Account provides unlimited rebates for such transactions each month. Rebate will appear as a statement credit approximately 2 Business Days after surcharge is incurred.

⁴ Dean's List customers must have an active debit card to earn uChoose Dean Points and must have an Online/Mobile Banking agreement in order to access and redeem UChoose points.

⁵ No Purchase Necessary to Enter and Win. The Grand Prize Drawing will be held on June 1, 2026. Eligible entries will be included with all Dean's List accounts opened between 9/1/25 and 5/31/26. Grand Prize is $500. Winner will be notified and prize award details will be finalized by June 15, 2026. See branch for alternate entry methods and submission information.

⁶ Complete the Dean’s List referral bonus card here and bring it to your local Dean Bank branch. Each referred account and each referrer receives 4,000 uChoose Dean Points and also gets an additional entry into the Grand Prize drawing.

⁷ Any Dean's List account holder who creates a TikTok, Snapchat or Instagram Reel promoting the Dean’s List account and tags Dean Bank will receive 1,000 uChoose Dean Points and an additional entry into the Grand Prize drawing. Talk to any member of our branch staff for more details.

⁸ Twice a year, Dean Bank sends out emails or letters to account holders announcing an educational workshop on credit score, using your debit card, electronic banking services, Mobile banking, or other relevant financial topic. All account holders who attend a workshop will receive 2,500 uChoose Dean Points and an additional entry into the Grand Prize drawing.