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Best Banks & Checking Accounts in Boston, Massachusetts - May 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 12, 2026

The best checking rates for Boston, Massachusetts include First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA25 DORCHESTER AVE, BOSTON, MA 02205A+5.0 ★Texas Ratio: 2.69% Priority Checking Account* at 2.50% APY, BrightBridge Credit UnionBrightBridge Credit Union2 Seaport Ln Ste 1400, Boston, MA 02210 2001A+5.0 ★Texas Ratio: 0.00% Kasasa Cash (High Interest Checking) at 2.00% APY, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionLogan International Airport, Boston, MA 02128A+5.0 ★Texas Ratio: 2.63% Priority Checking at 0.40% APY, OneUnited BankOneUnited Bank185 Devonshire St, Boston, MA 02110A+5.0 ★Texas Ratio: 1.87% UNITY Gold Checking at 0.10% APY, and Hanscom Federal Credit UnionHanscom Federal Credit Union495 Summer St, Boston, MA 02210A+5.0 ★Texas Ratio: 3.74% Premier Checking at 0.10% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.

Boston has 8 local institutions in our database, with checking rates as high as 2.50% APY from First Priority Credit Union Boston, MA at 25 DORCHESTER AVE, BOSTON, MA, 02205. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Boston, Massachusetts. Checking Account Rates Last Updated and Verified: May 12, 2026

Compare Checking Account Rates Today in Boston, Massachusetts & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
25 DORCHESTER AVE
BOSTON, MA 02205
Priority Checking Account*
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Kasasa Cash (High Interest Checking)
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport
Boston, MA 02128
Priority Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport
Boston, MA 02128
Flagship Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport
Boston, MA 02128
Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
185 Devonshire St
Boston, MA 02110
UNITY Gold Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
495 Summer St
Boston, MA 02210
Premier Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
185 Devonshire St
Boston, MA 02110
UNITY E-Gold Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
185 Devonshire St
Boston, MA 02110
UNITY Non-Profit Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
185 Devonshire St
Boston, MA 02110
UNITY Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
CITY HALL
BOSTON, MA 02201
NOW Accounts Checking Tier
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
63 Franklin St
Boston, MA 02110
Premier Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette
Boston, MA 02111 1750
Share Draft (Checking) Low Balance
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Business 300 Checking Business
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Business Value Checking Business
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Kasasa Cash Back (Free Checking)
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
495 Summer St
Boston, MA 02210
Your Way Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
25 DORCHESTER AVE
BOSTON, MA 02205
Priority Checking Account*
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Kasasa Cash (High Interest Checking)
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Advantage High Interest Checking
4.50%
$5
View
▼
Rate4.41%
Min Deposit$5
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
First Rate Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $1,000.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $15,000.00

Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
EMPOWER Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
EMPOWER Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
IOLTA Checking Account
2.89%
$10
View
▼
Rate2.81%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
IOLTA Checking
2.08%
$0
View
▼
Rate2.06%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Signature Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

ACU Athol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Umbrella Checking
1.75%
$100
View
▼
Rate1.75%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $25,000

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Investment Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Kasasa Cash (High Interest Checking)
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Kasasa Cash Back (Free Checking)
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $15,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $15,000.00

Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
EMPOWER Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
EMPOWER Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
Reward Checking
0.50%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Check Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Kasasa Cash Back (Free Checking)
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Bank of Canton
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
Free Checking with Interest
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
FREE Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Monson Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
SmartChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Luso American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Totally Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Free Checking with eStatements
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Free Checking (78)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Student Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
TeenCents CheckingSM
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

StonehamBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Optimum Student Checking
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Teen Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport
Boston, MA 02128
Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
185 Devonshire St
Boston, MA 02110
UNITY Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Business Value Checking Business
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400
Boston, MA 02210 2001
Business 300 Checking Business
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
BusinessPlus Checking Business
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
BusinessPlus Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Simple Business NOW Checking Business
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Commercial Checking Business
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Interest Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
No Nonsense Business Plus Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Business Plus Checking Business
0.05%
$10
View
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Business Checking Plus Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Free Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $10,000.00

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
Business CheckingPlus Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Business Checking Business
0.02%
$50
View
▼
Rate0.02%
Min Deposit$50
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Boston, MA Checking Rate Trends

Compare local Boston, MA checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Massachusetts Checking Trends →
High-Yield Checking — MA Avg
1.094%
▼ 0.247 vs 7 days ago

Massachusetts high-yield checking rates fell 0.247 points over the past 7 days to 1.094% APY.

Free Checking — MA Avg
0.348%
▼ 0.007 vs 7 days ago

Massachusetts free checking rates fell 0.007 points over the past 7 days to 0.348% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Boston, Massachusetts directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Boston, Massachusetts. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Boston, Massachusetts earn interest?

Most traditional local checking accounts in Boston, Massachusetts earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Boston, Massachusetts FDIC insured?

Yes. Legitimate banks with branches in Boston, Massachusetts are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Boston, Massachusetts

Based on our current data, some of the highest checking account APYs available to residents of Boston, Massachusetts include:
  • First Priority Credit Union Boston, MA
    Priority Checking Account* — 2.50% APY
  • BrightBridge Credit Union
    Kasasa Cash (High Interest Checking) — 2.00% APY
  • American Airlines Federal Credit Union
    Priority Checking — 0.40% APY
  • OneUnited Bank
    UNITY Gold Checking — 0.10% APY
  • Hanscom Federal Credit Union
    Premier Checking — 0.10% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Boston, Massachusetts. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 12, 2026

Boston, Massachusetts Rates & Resources

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