| EcoPoint | SecurePoint | SmartPoint | |
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| Free Online Banking |  |
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| Free Bill Pay | |
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| Free e-Statements | |
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| Free Debit Card | |
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| Free Mobile Banking | |
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| Pays Interest | |
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| Cash Rewards/ATM refunds | |
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| ID Protection | |
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| Cell Phone Protection | |
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| Service Charge | FREE | $5/month | $10/month |
| Amount Required to Open | $50 | $50 | $50 |
| EcoPoint Details | SecurePoint Details | SmartPoint Details |
Personal Checking Accounts
EcoPoint Checking
Smooth, painless online banking.
Even in your pajamas.
No paper statements and no additions to the junk piles, with the convenience of managing finances from home.
Save more than just money.
Perfect for the environmentally conscious user, the EcoPoint checking account will bring you both convenience and peace of mind. This debit card only account relies solely on paperless billing statements and mobile banking, which allows you to bank from anywhere with an internet connection.
Summary
- No monthly service charge
- Free MA Bank online banking
- Free OneClick Bill Pay
- Free MA Bank mobile banking
- Free MasterCard® Debit Card
- e-Statement
- Write up to ten checks per statement cycle at no charge (additional checks will be is $.25 per check)
- $50 to open
Is EcoPoint right for you?
If you're looking for a free checking account with the modern convenience of online and mobile banking, EcoPoint is ideal for you.
If you're looking for a free checking account with the modern convenience of online and mobile banking, EcoPoint is ideal for you.
SecurePoint Checking
Your passport to financial safekeeping.
And you don't have to check for it twice.
An additional layer of protection from your identity, finances, and personal information. Rest easy, knowing you are secure.
Peace of mind that pays off.
SecurePoint will help you rest easy knowing your finances and identity are carefully safeguarded. For a low monthly service charge, this account comes with the leading features of ID Theft Protection, cell phone protection, and valuable banking benefits.
Premium features. IDProtect®¹. Credit File Monitoring³.
Summary
- $5 monthly service charge
- Free MA Bank online banking
- Free OneClick Bill Pay
- Free MA Bank mobile banking
- Free MasterCard® Debit Card
- Free e-Statements
- Checks allowed
- $50 to open
- IDProtect¹
- Cellular Telephone Protection²,4
Is SecurePoint right for you?
If security is paramount, SecurePoint offers significant value with IDProtect®- Identity theft monitoring and resolution service for you, your joint account holders, and eligible family members¹.
1 IDProtect is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a "signer" on the account who is not an account owner. Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.
2 Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid using eligible account).
3 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.
4 Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance Products are not a deposit of or guaranteed by the Bank or any Bank Affiliate and are not insured by the FDIC or any Federal Government Agency.
SmartPoint Checking
A checking account that makes the grade.
Minus the studying.
SmartPoint Checking offers cash back rewards and interest earning options that maximize your finances. Make the most of your assets.
Take your paycheck a step further.
Our premier options, SmartPoint is a streamlined, hardworking account with substantial rewards and sophisticated protection for your personal information.
Cash back, Interest earning, and IDProtect® - Identity Theft Protection Services¹, all in one package!
Summary
- $10 monthly service charge
- 1% cash back on the first $1,500 of debit card purchases
- 1% Interest paid*** (1.00% Annual Percentage Yield) on balances up to $20,000 and .05% interest paid (.05% APY) on balances above $20,000 — requires daily minimum balance of $1500 or more
- Up to $20 in refunds on your ATM fees per statement cycle
- Free MA Bank mobile and online banking
- Free OneClick Bill Pay
- Free MasterCard® Debit Card
- Free e-Statements
- Checks allowed
- $50 to open
- IDProtect® - Identity theft monitoring and resolution service for you, your joint account holders, and eligible family members¹
- Cellular Telephone Protection²,4
Is SmartPoint right for you?
For competitive rewards and all the benefits of premium checking, SmartPoint is your ideal account.
*Protection for you, joint account holders, your spouse, qualifying domestic partner, dependent children up to age 25 and parents living in the same household as the account owner. See full disclosure for additional details.
**Eligible account holders receive up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. Covers you at home or abroad. Maximum of two claims per year.
*** Interest rate is variable and may change after account opening. This variable interest rate is current as of October 14, 2022, but is subject to change. Fees could also reduce the earnings on the account.
1 IDProtect is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a "signer" on the account who is not an account owner. Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.
2 Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid using eligible account).
3 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.
4 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.