Franklin Town, Massachusetts Best Checking Accounts & Rates October 2026

Qualifications Required; Balance: $0.01 up to $10,000; Rate applies to balances up to $10,000.

Qualifications Required: If qualifications are met; Balance: $0.01 up to $10,000; On balances $0.01 up to $10,000 If qualifications are met

Introductory APY; Introductory Dividend Rate

balances up to $15,000; Qualifications Required: Qualifications Required; Level 1 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate

Balance to $1,000

Qualifications Required: ten (10) debit card transactions; direct deposit or ACH of $500 or more; log in to online or mobile banking; and receive e-Statements; Qualifying balance up to $25,000.00; New accounts will receive the qualifying dividend rate for the first statement cycle. Existing accounts converted to High Dividend Checking may qualify to receive the qualifying dividend rate beginning on the first day of the following month after the account is converted (for example: High Dividend Checking account is opened October 15. Dividend rate would go into affect beginning November 1).

No additional details provided.

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $10,000.00

Qualifications Required: 15 debit card point of sale (POS) transactions post and settle to your account per qualification cycle (transactions may take up to three (3) business days from the date of the transaction to post and settle to your account); receive your monthly statement electronically; receive at least one direct deposit or ACH debit per qualification cycle; Balance: $0.00 - $10,000.00; Balances up to $10,000.00 receive an APY of 3.50% if qualifications are met.

Qualifications Required: receive your account statement electronically via Online Banking; make at least 6 debit card point-of-sale transactions (must post and settle); have at least one external ACH credit or debit transaction (must post and settle); Balances over $20,000 earn an interest rate of 3.25% on the first $20,000, and then an interest rate of 0.35% on any funds over $20,000, resulting in an APY of 3.25% to 0.94% APY depending on total balance. Monthly statement cycle eligibility requirements: 1) receive your account statement electronically via Online Banking; 2) make at least 6 debit card point-of-sale transactions (must post and settle); 3) have at least one external ACH credit or debit transaction (must post and settle). Monthly service charge of $25 if account conditions are not met. If eligibility conditions are not met for three (3) consecutive months, account will revert to Simple Checking. Limit one Advantage Checking per member.

Dividends compounded/credited monthly

Balances Up to $25,000; Balance: Balances Up to $25,000

Qualifications Required; Balance: $0.01 up to $10,000

Qualifications Required: If qualifications are met; Balance: $0.01 up to $10,000; On balances $0.01 up to $10,000 If qualifications are met

Balance: $1000.01+

Balance: $500.01 - $10,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00

No additional details provided.

Balance: $0 - $50,000

Balances Up to $10,000; Balance: Balances Up to $10,000

Balance: .01 - $10,000.00

Qualifications Required: 12 posted and settled Debit Card purchases; Be enrolled in eStatements; 1 direct deposit or 1 bill payment (electronic) or automatic payment (ACH) post and settle; Balances from $10.00 up to $25,000 earn 1.95% interest rate (2.00% Annual Percentage Yield (APY)); If qualifications are not met, balances of $10 or more earn an interest rate and APY of 0.05%, and the account does not receive ATM surcharge rebates or Savers Bank card activity charges for that period.

Balance: $20,000+; Open Online (Opens in new tab)

No additional details provided.

Balance: Up to but not exceeding $10,000; Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; be enrolled to receive e-statements; APY* 2.00% - 0.20%; (if qualifications are not met) Interest Rate 0.02%; APY* 0.02%

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01-$25,000.00

Balance: 0-$10,000; 2.00% (1.98% if linked to Kasasa Saver)

Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; enrolled to receive e-statements; Qualifying balance up to $10,000.00; Rate: 0.20% on balances above $10,000; Rate: 0.02% if qualifications are not met

Balance: 0 to $25,000

Balance: .01 - $10,000.00

Balance: Up to but not exceeding $10,000; Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; be enrolled to receive e-statements; APY* 2.00% - 0.20%; (if qualifications are not met) Interest Rate 0.02%; APY* 0.02%

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01-$25,000.00

Balance: 0-$10,000; 2.00% (1.98% if linked to Kasasa Saver)

Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; enrolled to receive e-statements; Qualifying balance up to $10,000.00; Rate: 0.20% on balances above $10,000; Rate: 0.02% if qualifications are not met

Qualifications Required: twelve (12) PIN-based, signature based debit card purchases [each $3.00 or more]; receive 1 or more ACH deposits during the statement cycle; enroll and agree to receive e-statements rather than paper statements; When Kasasa Cash qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 1.489% resulting in an APY of 1.50%; and daily balances over $25,000 earn a dividend rate of 0.05% on the portion of the daily balance over $25,000, resulting in a range from 1.50% to .34% APY depending on the account's daily balance. Reimbursements up to an aggregate total of $20.00 nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.

Qualifications Required; The Annual Percentage Yield (APY) is 1.26% as of 10/07/2026. Balances up to and including $15,000.00 will earn an APY of 1.26%, balances in excess of $15,000.00 will earn an APY of 1.26% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. To be eligible for the interest rates and APYs, and receive up to $20.00 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements; direct deposits totaling $100.00 or more posted and cleared; and 10 debit card transactions posted and cleared. Rates may change after the account is opened. Fees may reduce earnings.

Qualifications Required: 1.00% interest on balances up to $1500 when qualifications are met; Earn 1.00% interest on balances up to $1500 when qualifications are met; ATM fee reimbursements up to monthly limits; Digital banking with bill pay and mobile deposit

No additional details provided.

Qualifications Required: If qualifications are met; Balance: over $10,000; On amount of balance over $10,000 If qualifications are met

Qualifications Required: If qualifications are met; Balance: On amount of balance over $10,000 If qualifications are met

0.50% on the first $25,000
0.10% over $25,000

Balance: Over $10,000.00

No additional details provided.

On balances up to $25,000

Published APY range: 0.25% - 4.07%. Balance: $25,000.01 and above

Qualifications Required: 12 debit card purchases that post and settle your account; one direct deposit or automatic payment (ACH) settle your account; enrolled to receive free monthly e-statements; Kasasa Cash Reward information: (1) balances up to $25,000 receive an APY of 2.00%; the portion of balance over $25,000 receives an APY of 0.25%, resulting in a range from 0.60% to 2.00% APY on the total account balance depending on the account's total balance. Lowest APY calculation is based on an assumed total account balance of $115,000. Refund up to $25 in ATM fees assessed at domestic ATMs we do not own or operate. Balance: $25,000.01 and over

On balances over $10,000

Qualifications Required: A minimum average daily balance of $500.00; A minimum of twelve (12) posted debit card transactions monthly (excluding ATM usage); eStatements as statement delivery option; Have at least one recurring ACH (Automatic Clearing House) debit transaction or Bill Payer transaction per month; Balances greater than $10,000 will earn 0.20% APY. Other restrictions and terms may apply. Business accounts do not qualify for Rewards Checking. Rates and terms are subject to change without notice. Dividends are compounded and credited monthly based on the average daily balance in the account. Member eligibility is required. Annual Percentage Yield listed applies to balances up to $10,000 when account requirements are met during each eligibility cycle. Eligibility cycle begins on the first day of each calendar month and ends the last day of each calendar month. The yield listed is a variable rate and may change at any time after account is opened. To earn maximum yield listed, account must have: 1) A minimum average daily balance of $500.00; 2) A minimum of twelve (12) posted debit card transactions monthly (excluding ATM usage); 3) eStatements as statement delivery option; and 4) Have at least one recurring ACH (Automatic Clearing House) debit transaction or Bill Payer transaction per month. If above requirements are not met during an eligibility cycle, account will earn 0.00% APY. If account shows a negative balance at any time during the eligibility cycle, account will earn 0.00% for that eligibility cycle.

Balance: $5,000.01 or more; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $10.00.

Balance: $61.00 - $5,000.00; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $10.00.

0.10% over $25,000

EMPOWER REWARDS Checking w/EMPOWER REWARDS Savings; APYs accurate as of 10/08/2026. Rates may change after account is opened. Reward Information: When your EMPOWER REWARDS account qualifications are met during a Monthly Qualification Cycle, checking account balances $0.01 up to $10,000.00 receive an APY (Annual Percentage Yield) of 4.00%, and balances over $10,000.00 earn 0.50% interest rate on the portion of balances over $10,000.00, resulting in a range from 4.00% - 0.50% APY depending on the account's balance and (2) savings account balances $0.01 up to $25,000.00 in EMPOWER REWARDS Savings receive an APY of 4.00%; and balances over $25,000.00 in EMPOWER REWARDS Savings earn 0.50% interest rate on portion of balance over $25,000.00, resulting in 4.00% - 0.50% APY depending on the balance. If qualifications for EMPOWER REWARDS Checking are not met, all balances in EMPOWER REWARDS Checking and Savings earn 0.05% APY and ATM fees are not refunded. When qualifications are met, interest and ATM fee reimbursements will be credited to your EMPOWER REWARDS checking account on the last day of the statement cycle and will automatically sweep into the attached savings account. EMPOWER REWARDS Checking must be opened in tandem with EMPOWER REWARDS Savings.

Balance: On entire balance If qualifications not met

Assumes a principal balance of $35,000.00. APY earned depends on the actual principal balance.

Balance: .01 and over

0.05% APY if qualifications aren't met. ATM withdrawal fee refunds up to $25 monthly.

Qualifications not met

Balance Tier: $10,000+

All balances if qualifications not met; An APY of 0.05% applies to the entire balance if qualifications are not met.

No additional details provided.

No additional details provided.

Balance: All balances if qualifications not met

Balance: $10,000.01 +

Balance: $75,000 or more

Balance: $25,000.01 - $50,000.00; Interest rate paid on the daily balance of the next $25,000.01 to $50,000.00

No additional details provided.

No additional details provided.

No additional details provided.

Balance: $100,000 and over; First check order is free for standard checks or $50 rebate for business checks. APY = Annual Percentage Yield. Rates are effective as of March 15, 2021, and are subject to change, after account opening, without notice. Fees could reduce earnings on the account. A $5.00 Membership Account Required.

Balance: $50,000 - $99,999.99; First check order is free for standard checks or $50 rebate for business checks. APY = Annual Percentage Yield. Rates are effective as of March 15, 2021, and are subject to change, after account opening, without notice. Fees could reduce earnings on the account. A $5.00 Membership Account Required.