Checking

There's more to a Checking Account than easy access to your money.

Maybe you want to keep it simple or earn interest. Possibly you need ATM access, online bill pay, or credit score monitoring. Check out our chart below to find one that’s right for you.

Product	Simple	Interest	Relationship
Checks	Unlimited	Unlimited	Unlimited
Minimum to Open	$25	None	None
Pays Interest	No	Yes. The Promotional Rate will be paid for the first 90 days and the Preferred Rate after 90 days. Qualifications: 25+ debit card transactions in any combination of POS Signature or POS Pinned Transactions during the cycle period.	Yes. Our best checking rates. The Promotional Rate will be paid for the first 90 days and the Preferred Rate after 90 days. Qualifications: 30+ debit card transactions in any combination of POS Signature of POS Pinned Transactions and a $25,000 relationship during the cycle period. Relationship includes balances in all savings, checking and money market accounts held by the same primary owner.
Account Includes	Online Banking Mobile Banking For iOS And Android Telephone Banking Text Banking Mobile Check Deposit Instant Issue Debit Card ATM Surcharge Reimbursement* Thousands of Free SUM ATMs Bill Pay E-statements	Online Banking Mobile Banking For iOS And Android Telephone Banking Text Banking Mobile Check Deposit Instant Issue Debit Card ATM Surcharge Reimbursement* Thousands of Free SUM ATMs Bill Pay E-statements	Online Banking Mobile Banking For iOS And Android Telephone Banking Text Banking Mobile Check Deposit Instant Issue Debit Card ATM Surcharge Reimbursement* Thousands of Free SUM ATMs Bill Pay E-statements
Safe and Secure	FDIC Insurance DIF Insurance (full balance insurance, above what FDIC pays) Free Credit Score Monitoring Card Valet Overdraft Protection** Fraud Monitoring
Monthly Fee	$8 $3.50 Paper Statement Fee ***	$15 $3.50 Paper Statement Fee ***	$25
Ways to Avoid Monthly Fees	1 electronic deposit OR 1 automated withdrawal OR 10 debit card transactions	$2,500 in all savings, checking, and money market accounts combined OR 15 debit card transactions and electronic deposits of $500 or more	$25,000 in checking OR $50,000 in all savings, checking or money market accounts combined

Use Any ATM Surcharge Reimbursement

Use any ATM across the Berkshires and beyond. We will cover up to $15 in ATM surcharges from other banks during each statement cycle. Use the ATM that is most convenient for you. (ATM Surcharge Reimbursement is only during the statement cycles in which you "Avoid Monthly Fees" above.)

Overdraft Protection

Safeguard yourself from returned checks, preserve your credit rating, and protect yourself against overdraft charges by selecting an optional Overdraft Protection service. There is no charge for any Overdraft Protection option unless you use it.

Paper Statement Fee

Sign up for E-statements through Online Banking to have the Paper Statement Fee waived.

Sweep Account

Automatically transfer funds from your statement savings or tiered statement savings account to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. The usual overdraft charge is $30 charge for every check returned for insufficient funds.

Checking Line of Credit

Automatically transfer funds when you need it from a line of credit that is linked to your account. There is no transfer charge, although you pay interest for using the line of credit. The line of credit can be used as a reserve in the event of an overdraft, or as a borrowing account.

Courtesy Pay

Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $800 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.

Product	Small Business	Commercial	Investment
Best for	Businesses that have fewer than 300 transactions per month and maintain a low balance	Businesses that have fewer than 300 transactions per month and maintain a low balance	Businesses that have fewer than 300 transactions per month and maintain a low balance
Minimum to Open	$0	$100	$100
Interest on Amounts Over $100,000	No	No	Yes
Interest on First $100,000	None	None	None
Monthly Service Charge	$0	$7.50	$7.50
Transactions Included	300 free checking transactions, including checks paid, deposits, deposited items, ACH credits/debits, and transfers	40 free checks paid and 20 free deposits and 100 free bulk items (deposited items)
Fee for Each Additional Transaction	$0.35	$0.25 per check paid $0.65 each deposit $0.10 each bulk item
Earnings Credit Can Reduce or Eliminate Monthly Service Charge and Transaction Fees	No	Yes Credit is earned for every $100 that the average collected balance is over $1500. The earnings credit rate is adjustable.
Sweep Available	Overdraft Protection* Courtesy Pay	Sweep at any dollar amount**
Earns Interest	No	Use the Sweep** for Automatic Cash Management (Maximize Interest).
Account Includes	Online Banking Mobile Banking For iOS And Android Telephone Banking Text Banking Mobile Check Deposit Instant Issue MasterMoney Debit Card Use Any ATM Surcharge Reimbursement* Thousands of Free SUM ATMs E-statements	Online Banking Mobile Banking For iOS And Android Telephone Banking Text Banking Mobile Check Deposit Thousands of Free SUM ATMs E-statements
Safe and Secure	FDIC Insurance DIF Insurance (full balance insurance, above what FDIC pays) Fraud Monitoring	FDIC Insurance DIF Insurance (full balance insurance, above what FDIC pays) Fraud Monitoring

Overdraft Protection

Safeguard yourself from returned checks, preserve your credit rating, and protect yourself against overdraft charges by selecting an optional Overdraft Protection service.

Savings Sweep

Automatically transfer funds from your savings account to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. The usual overdraft charge is $30 for every check returned for insufficient funds.

Courtesy Pay

Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $1,500 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.

Automatic Cash Management Sweep

Maximize your income, earn higher interest rates, and maintain ready access to your cash, without investing extra time. We can automatically manage your cash. You set the amount of money you want to keep in your checking account each day. After your daily transactions are reconciled, any amount in excess of the amount you set is automatically transferred into a high-interest sweep account. If the reconciled amount is less than what you set, the funds you need are transferred to your commercial checking account.

Product	Small Municipal	Large Municipal	Municipal Investment
Best for	Municipalities that have fewer than 350 transactions per month and maintain a low balance	Municipalities that have a moderate or high monthly transaction volume and maintain a high balance	For those who keep a $100,000 minimum balance in a checking account, Municipal Investment Checking provides a high rate of interest on the amount over $100,000.
Minimum to Open	$0	$100	$100
Interest on Amounts Over $100,000	No	No	Yes.
Interest on First $100,000	None.	None.	None.
Monthly Service Charge	$0	$7.50
Transactions Included	300 free checking transactions, including checks paid, deposits, deposited items, ACH credits/debits, and transfers	40 free checks paid and 20 free deposits and 100 free bulk items (deposited items)
Fee for Each Additional Transaction	$0.35	$0.25 per check paid $0.65 each deposit $0.10 each bulk item
Earnings Credit Can Reduce or Eliminate Monthly Service Charge and Transaction Fees	No	Yes Credit is earned for every $100 that the average collected balance is over $1500. The earnings credit rate is adjustable.
Sweep Available	Overdraft Protection* Courtesy Pay	Sweep at any dollar amount**
Earns Interest	No	Use the Sweep** for Automatic Cash Management (Maximize Interest).
Account Includes	Online Banking Mobile Banking For iOS And Android Telephone Banking Text Banking Mobile Check Deposit Instant Issue MasterMoney Debit Card Use Any ATM Surcharge Reimbursement* Thousands of Free SUM ATMs E-statements	Online Banking Mobile Banking For iOS And Android Telephone Banking Text Banking Mobile Check Deposit Thousands of Free SUM ATMs E-statements
Safe and Secure	FDIC Insurance DIF Insurance (full balance insurance, above what FDIC pays) Fraud Monitoring	FDIC Insurance DIF Insurance (full balance insurance, above what FDIC pays) Fraud Monitoring

Overdraft Protection

Safeguard yourself from returned checks, preserve your credit rating, and protect yourself against overdraft charges by selecting an optional Overdraft Protection service.

Savings Sweep

Automatically transfer funds from your statement savings account or line of credit to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. Automatically transfer funds when you need it from a line of credit that is linked to your account. There is no transfer charge, although you pay interest for using the line of credit. The line of credit can be used as a reserve in the event of an overdraft, or as a borrowing account.

Courtesy Pay

Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $800 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.

Automatic Cash Management Sweep

Maximize your income, earn higher interest rates, and maintain ready access to your cash, without investing extra time. We can automatically manage your cash. You set the amount of money you want to keep in your checking account each day. After your daily transactions are reconciled, any amount in excess of the amount you set is automatically transferred into a high-interest sweep account. If the reconciled amount is less than what you set, the funds you need are transferred to your commercial checking account.

Interest On Lawyers Trust Accounts (IOLTA) are for attorneys and law firms that maintain escrow funds for multiple clients. This account has checking privileges for lawyers to disburse funds. There is no minimum amount required to open the account, minimum balance, or per-check fees.

An IOLTA Checking Account pools the funds into a single, interest-bearing account. The account allocates interest earned to the Massachusetts Bar Foundation, the Boston Bar Foundation, and the Massachusetts Legal Assistance Corporation for charitable purposes.

Notice

Please note that this link will take you away from Pittsfield Cooperative Bank and does not represent Bank sponsorship, endorsement or guarantee of information contained on linked sites. Pittsfield Cooperative Bank (including its Directors, Employees, or its Affiliates) is not responsible or liable for the content, information, security, or the failure of any products or services advertised or promoted on this linked site and any issue that may arise out of the site’s privacy policy.

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