Millbury Savings - Personal Banking
Personal Banking

Checking

Great checking value. That’s what you get with Millbury Savings. 

Our Personal Checking Accounts Offer:

  • Unlimited check writing with no per-check fees
  • Free paper statements or eStatements
  • Free Online Banking, Online Bill Payment, Mobile Banking, and Telephone Banking
  • Cash & Check Debit Card with no annual or point-of-sale transaction fees
  • Surcharge-free SUM® Program ATMs
  • Discounted rates on new fixed-rate consumer loans*
  • Peace of mind in knowing all deposits are 100% insured by the FDIC and DIF
  • Convenience Services that make accessing your statement accounts easy
  • Our Easy-to-Switch Kit that makes moving your account as easy as 1-2-3

Compare Our Personal Checking Accounts:

Gateway FREEdom CheckingSM

Gateway SuperSaver CheckingSM

Gateway Rewards CheckingSM

Minimum Deposit
to Open

$10

$10

$10

Interest Bearing

No

Yes

Yes

Minimum Balance
to Earn Interest

N/A

$10

$10

Monthly Minimum Balance Fee

None

$5

$20

Minimum Daily Balance to Waive Fee

N/A

$500 or
at least one
direct deposit per month

$5,000

18/65 Program Available

Yes

Yes

No

Check Writing

Unlimited

Unlimited

Unlimited

Basic Style Checks

Free first
order

Free first
order

Unlimited
free

Online Banking

Free

Free

Free

Online Bill Payment

Free

Free

Free

Mobile Banking

Free

Free

Free

Cash & Check Debit Card

No annual fee

No annual fee

No annual fee

Debit Card Point-of-Sale Fee

None

None

None

Telephone Banking

Free

Free

Free

Paper Statements or eStatements

Free

Free

Free

Foreign ATM Fee

$1 (4 free per month for Student)

4 free per month per card; then $1 each

Unlimited free

Overdraft Protection Line of Credit*

Yes

Yes

Yes

Discount on Certain
Consumer Loans**

0.50%

0.50%

0.50%

Discount on Mortgage Loans**

No

$250 off
closing costs

$500 off
closing costs

Preferred Rates on Savings

No

Yes, on
Statement Savings

No

Preferred Rates on Certificates of Deposit

No

No

Yes

Preferred Rates on IRAs

No

Yes, on Statement
Savings IRAs

Yes, on all

Discount on Safe Deposit Box

No

No

50% on first year's rental of small box

 *Subject to application and credit approval
**With automatic payment from this account

Gateway FREEdom CheckingSM

A totally free checking account with no minimum balance requirements or monthly maintenance fees, plus get your first order of basic style checks free.

Gateway FREEdom Checking for StudentsSM

Just for full-time students who are age 22 or younger, this account offers all the benefits of Gateway FREEdom Checking, plus provides up to 4 free foreign ATM transactions per month!***

Gateway SuperSaver CheckingSM

Be a super saver with interest on your checking and preferred rates on some savings and IRA accounts, too!

  • No minimum balance fee with at least one direct deposit per month or a $500 minimum daily balance; otherwise, a low $5 minimum balance fee per month
  • 4 free foreign ATM transactions per month per card
  • Free first order of basic style checks
  • Preferred rates on Statement Savings and Statement Savings IRA accounts
  • $250 off closing costs on new mortgage loans*

Gateway Rewards CheckingSM

Our most rewarding checking, with premium rates, preferred rates on CDs and IRAs, and more!

  • No minimum balance fee with a $5,000 minimum daily balance; otherwise, a $20 minimum balance fee per month
  • Tiered interest rates with higher rates for larger balances
  • Unlimited free foreign ATM transactions
  • Free basic style checks for life
  • Preferred rates on Certificates of Deposit, IRA Certificates of Deposit, and Statement Savings IRA accounts
  • $500 off closing costs on new mortgage loans*
  • 50% discount on a new small (3”x5”) safety deposit box for one year

*With automatic payment from this account.
**Subject to application and credit approval.
***Proof of student status is required.

Easy-to-Switch Kit

Switching your checking account to Millbury Savings just couldn’t be easier. Simply download our Easy-to-Switch Kit to change your direct deposits and automatic payments and withdrawals to your new Millbury Savings Bank checking account, then close your old account at your previous institution. Before you know it, you’ll be on your way!

All Deposits Insured in Full

At Millbury Savings Bank, every deposit is insured in full. Each depositor is insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000. All deposits above the FDIC limits are insured in full by the Depositors Insurance Fund (DIF). No one provides better deposit protection!

We’re Looking Out For You.

It’s our mission to take special care of our customers. If you have questions or need our help choosing the products and services that best meet your financial needs, please complete our information request form, stop by one of our offices, or call us at (508) 865-5811.

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