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These accounts lead you to better financial management and prosperity.

How can we help you with your financial goals? We offer a variety of checking accounts designed to meet your banking needs. Whether it’s a FREE Checking Account, Student Checking account that refunds ATM fees or our Kasasa Cash Back Checking Account that rewards you for doing banking basics, we’ve got you covered! We’d be honored to help you find the account that works for you!

Types Of Checking Accounts


FREE Kasasa Cash Back® Checking

You know what can make a big difference in your finances? Having a free checking account that gives you cash back on your debit card purchases. You’ll think this account was made just for you.

  • $10 minimum to open
  • Cash back on debit card purchases1
  • Up to $25 on ATM fee refunds per qualification cycle1
  • No minimum balance to qualify for cash back rewards and ATM refunds

Open a Free Kasasa Cash Back® Checking Account Now

FREE Kasasa Cash® Checking

You’re always working to improve yourself—your money should too. With this free checking account, you earn competitive interest on your checking balance.1 Time to put your money to work.

  • $10 minimum to open
  • High interest rate1
  • Up to $25 on ATM fee refunds per qualification cycle1
  • No minimum balance to qualify for high interest and ATM refunds


Student Checking*

As a student balancing school, work, and everything else, you’ve got a busy schedule. It’s why we created this free and simple student checking1 account that goes wherever you go. Plus, receive $102 when you open an account.

Open a Student Checking Account Now

Free Checking

You have plenty of things to worry about every day. Banking shouldn’t be one of them. Enjoy this free checking account that supports you.

A minimum deposit of $10 is required
to open this account.

Open a Free Checking Account Now



As mandated by Massachusetts Law, customers 18 years of age and under or 65 years of age and older, are entitled to an account that is free of monthly service charges and has reduced insufficient funds fees.


All Accounts Come with

  • No monthly service charge
  • No per-check charge
  • Mastercard® Debit Card with eGuard Secure Solution
  • Mobile wallet – Apple Pay, Google Pay & Samsung Pay
  • Online banking with bill pay
  • Mobile banking with mobile deposit
  • Text banking
  • eStatements
  • ATM Card
  • Telephone Banking

Additional Services

  • Person to person (P2P) transfers
  • Account to account (A2A) transfers

Compare Options

  • Checking Accounts Compared

    FeaturesFREE Kasasa Cash or Kasasa Cash Back CheckingStudent Checking*FREE Checking
    Minimum to open account$10$10$10
    Minimum balance to earn interestN/AN/AN/A

    Free Kasasa Cash Checking®

    SpecificationsAmount / Rates
    Minimum opening deposit:$10
    Minimum balance to obtain Annual Percentage Yield:None
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $0.00 - $20,000.00
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $20,000.01 and up
    0.75% - 0.17%*
    Non-qualifying accounts**
    Interest rate:
    Annual Percentage Yield (APY):
  • Deposit Insurance

    Every deposit account at Country Bank is insured in full. In addition to Federal Deposit Insurance Corporation (FDIC) insurance, Country Bank offers Depositors Insurance Fund (DIF) protection.

    • Each depositor is insured by the FDIC up to $250,000
    • All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF)
    • The combination of FDIC and DIF insurance provides customers of Massachusetts-chartered savings banks with full deposit insurance on all of their deposit accounts

*You must deposit $10.00 to open this account. The primary account owner must be 22 years of age or younger. Minors (under the age of 18) will require a parent or guardian to be a joint owner on the account. We will refund an aggregate of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the monthly statement cycle. Generally, the refund will be credited to your account within 2 business days. When the primary account holder reaches the age of 23, the Student Checking account will automatically convert into a checking account, disclosures will be provided at that time. Please note that rates, fees, and balance requirements may vary based on the account available at that time. Must be 18 or older to open online.

1Qualifications, limits and other requirements apply to earn ATM refunds and high interest or cash back rewards. See financial institution for details. If qualifications are met, domestic ATM refunds will be reimbursed. Any domestic ATM fee that is $5.00 or more will be reimbursed by bringing the ATM receipt to any of our banking centers within 60 calendar days of the transaction.


2A minimum deposit of $10 is required to open this account. Limit of one $10 credit per social security number. $10 credit will post to the account within 3-5 business days after the account is established.

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