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When your Money Matters... Manners Matter

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 Online Checking account,  Student Checking account that refunds ATM fees or a rewards 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 Checking Accounts

  • No monthly service charge
  • No per-check charge
  • Mastercard® Debit Card with eGuard Secure Solution
  • Mobile wallet – Apple Pay, Android 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

Types Of Checking Accounts

FREE Kasasa Cash® Checking

For doing banking basics, like using your debit card, you can earn high rates and get refunds on your ATM withdrawal fees, nationwide!

The best part? It’s FREE! A minimum deposit of $10 is required to open this account.

Open a Free Kasasa Cash® Checking Account Now

Student Checking*

A FREE checking account for consumers 22 years old and younger with ATM fee refunds up to $25 per month!

Open a Student Checking Account Now

Free Checking

Our FREE checking account actually means FREE!

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.

Compare Options

  • Checking Accounts Compared

    FeaturesFREE Kasasa Cash 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
    1.25% - 0.33%*
    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.