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Checking Services

At Millbury Savings Bank, we offer a choice of checking accounts so you can select the one that best fits your lifestyle – and pocketbook. No matter what your checking priority is, we have a checking solution to match.

Free Checking
Tired of minimum balances and per check fees? Then you should consider our free checking account. It features unlimited checking with no monthly service charges and no minimum balance requirements. Plus, we’ll include your first order of checks free of charge.

Interest Checking
At Millbury Savings Bank, it’s easy to avoid charges on your checking account and earn interest on your bill paying money. Maintain a minimum balance of $500 in your Interest Checking account, or set up a regularly occurring direct deposit to that account, and we’ll waive the minimum balance fee. Either way, you’ll enjoy no-charge checking and earn interest on your account balance.

Free Interest Checking for Seniors
For those customers age 65 or better, we offer our Interest Checking account with no minimum balance and no minimum balance fee.

All Deposits Insured in Full
At Millbury Savings Bank, every deposit is insured in full. The Federal Deposit Insurance Corporation (FDIC) insures all deposits up to $100,000 per depositor except for self-directed retirement accounts, which are insured up to $250,000 per depositor. All deposits above the FDIC limits are insured in full by the Depositors Insurance Fund (DIF). No one provides better deposit protection!

Convenience Services
We make managing your accounts easy with these convenience services. Choose the ones that will make your banking easier:

24-Hour ATM Access
You can access your accounts at our local ATMs, or ATMs around the world. All you need is a Millbury Savings Bank ATM card or Cash & Check Debit Card.

Millbury Savings Bank Cash & Check Debit Card
Use your Cash & Check Debit Card at restaurants, gas stations, and department stores – anywhere Debit MasterCard is accepted. Purchases are deducted directly from your checking account, just like writing a check. Plus, it’s your ATM card, allowing you access to your Millbury Savings Bank accounts at home and around the world.

Lost or stolen debit card?
In the event you need to report a lost or stolen Millbury Savings Bank Cash & Check Debit Card during non-banking hours, please call 1-800-554-8969.

MasterCard® SecureCode™
Protect your existing Millbury Savings Bank debit card when shopping online. Click here to get started.

Avoid ATM Surcharges
We are a member of the SUMSM Program, so you can avoid ATM surcharges by using participating SUM ATMs. Just look for the SUM logo when you need cash. Click here for a list of SUM locations.

Online Banking & Bill Payment
It’s free & easy!
Now you can connect with your Millbury Savings Bank accounts from home, work, or on the road. Log in to our web site to check balances, transfer funds among your Millbury Savings Bank accounts and much more. Add Bill Payment and pay virtually anyone without writing a check! Click here to find out more!

Telephone Banking
Manage your accounts right over the phone, from anywhere, anytime. Call (508) 865-8900 to check account balances, transfer funds, determine which checks have cleared, or inquire about interest rates, loans and more. Bank by phone 24 hours a day, 7 days a week … free of charge!

Statement Savings
Open a companion Statement Savings Account and we can show your savings activity and your checking account activity on one combined statement. For added convenience, you can access both accounts with your Millbury Savings Bank ATM Card.

Overdraft Protection
Add a revolving line of credit to your checking account and avoid the embarrassment of “bouncing” a check.

Bank By Mail
If you find it inconvenient to come to the Bank, use our pre-addressed envelopes to bank by mail. We’ll process your transaction and send you a receipt in the return mail.

Here to serve you!
If you have any questions about our products and services, please complete our information request form, or talk with one of our Customer Service Representatives. They will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.

Member FDIC
Member DIF