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Checking

Find a flexible account for everyday life.

All Access Checking

All Access Checking is a convenient electronic checking account with UNLIMITED "other bank" ATM surcharge rebates* and FREE ATM transactions anywhere*.

  • No minimum balance or monthly service charge ($25.00 minimum deposit to open account)
  • No foreign ATM surcharges – UNLIMITED MONTHLY REBATES
  • Free Online Banking with Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • eStatements (or $5.00 monthly fee for paper statements)
  • 10 debit card transactions required per month
  • Courtesy overdraft protection available if qualified
  • Limit of 4 checks written per statement cycle ($1.00 per check fee applies after 4)
  • Debit Card Rewards** – earn points to redeem for great gifts, travel and more with every non-pin Dean Bank Debit MasterCard® transaction

* A minimum of one deposit and 10 debit card transactions required each calendar month or a $10 monthly service fee applies. Account includes free monthly eStatements. 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. A $1.00 per check fee applies after 4 checks written per month.


** 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.

Basic Checking

Did you know we participate in the Basic Banking for Massachusetts program? This program offers expanded access to bank products and services to encourage those with modest incomes to establish banking relationships.

Now Checking

Earn interest on your account when you maintain a higher average monthly balance.

  • Earn monthly interest on balances of $25.00 and up ($25.00 minimum deposit to open account)
  • No monthly fee if $1,500 minimum daily balance is maintained ($10.00 monthly fee and 25¢ per check fee if not maintained)
  • Free Online Banking with Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Dean Bank Rewards – earn points to redeem for great gifts, travel and more with every non-pin Dean Bank Debit MasterCard® transaction

Effective Date: Wednesday, May 22, 2019

Checking, Savings & Money Market Accounts

Minimum Daily Balance to earn APYInterest Rate APY*
$25.00 0.05%0.05%

(Student Statement Savings Accounts are available only to students in participating elementary schools in conjunction with School Savings program; there are no monthly service fees.)

*The minimum balance required to earn the stated Interest Rate and Annual Percentage Yield (APY) on the Money Market Account is $2,500. If the balance is below $2,500 for any day, your account will earn our then current NOW Checking Account rate for that day. The minimum daily balance required to open accounts, earn interest and obtain the Annual Percentage Yield on the above accounts is $25 ($1 for Club Accounts and Student Savings).  For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account.

These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.

Personal Checking

Will you withdraw cash at an ATM and need to use non-Dean Bank ATMs?
Will you make at least 10 debit card transactions per month?