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Personal Checking

Everyone has different needs when it comes to managing their checking accounts. At The Savings Bank, you’ll find a selection of checking products that let you decide which account works best for your needs.

Earn up to 3.00% APY*
With Kasasa Cash® Checking from The Savings Bank, you can get paid for banking locally. Plus, you can open your account online, anytime. *Click here for important terms and conditions.

Personal Checking

Basic Checking

Basic Checking account is what you’re looking for if simplicity is what you want. Of course, our Basic Checking account can still have all the added conveniences as our other checking accounts.

Basic Checking includes:

  • No monthly service charge
  • Unlimited check writing
  • No minimum balance requirement
  • $25 minimum opening deposit
  • Free (paper statements are available for $5 per month)

Wealth Checking

A checking account with a preferred interest rate and special banking benefits designed exclusively for First Financial Trust clients to manage their day-to-day banking at The Savings Bank.

  • Preferred rate added for accounts with balances of $5,000 or more and Direct Deposit
  • No transaction limitations
  • Unlimited TSB ATM access, and $25 rebate on ATM surcharges
  • Free order of checks or discount on designer checks, annually
  • Free Safe Deposit Box, where available
  • Debit Card, Online and Mobile Banking, and Overdraft Protection
  • Fully insured

Access Your Accounts

All our checking accounts include easy access to your accounts with tools including:

Deposit Insurance

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF). Click for information about Deposit Insurance.

From our customers
“The people I encounter at Lakeside and Main Street are always helpful and friendly. I enjoy that they actually care about me even though I am not one of your bigger clients.”

From our customers
“Love the employees at the North Reading Office. They are so friendly and helpful.  The teller and the customer service representative are the BEST!!”

From our customers
“I feel you excel in all areas but I am very appreciative of the kindness with which I have been treated all these years, by everyone at the TSB, whether in person or on the phone.”

From our customers
“I have been banking here for a number of years. I love this bank! Customer service is awesome. Anytime I had a problem it was resolved professionally.”

From our customers
Friendly, helpful, and pleasant tellers in the Greenwood, Wakefield branch!

From our customers
“Just great!”

From our customers
“I stay with TSB because I know if I have an issue, I can reach out to an actual person and get help. It is what separates TSB from the big banks.”

From our customers
“I like the real hometown feel you get with The Savings Bank. Staff at ALL branches are wonderful, making the personal interaction very pleasant.  I have been banking with you since 1978 and have never had even one issue.”

From our customers
“I feel you excel in all areas but I am very appreciative of the kindness with which I have been treated all these years, by everyone at the TSB, whether in person or on the phone.”

From our customers
“Your staff is the best.”

From our customers
“Love the personal connections with the bank personnel.”

From our customers
“Love everything!”

From our customers
“I’ve used TSB for approximately 40 years. They have always been helpful and kind. Never had an issue. Love banking with TSB and all of the wonderful employees.”

From our customers
“The staff in the Methuen office could not be kinder.”

From our customers
“I have been banking with TSB for many years and I am very satisfied with them. Why wouldn’t you want to come and bank there?”

Talk to The Savings Bank

To find out how The Savings Bank can help you achieve all your financial goals, visit one of our offices, use our contact form, or call us at 800-246-2009.

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The Savings Bank has seen an uptick in scams generated from computer pop-ups. One scam begins with a pop-up message with a number to call to speak with Microsoft support. Customers are then told to withdraw cash and use the money to purchase cryptocurrency at a specified location. Read more.