Please read this important information about our service area. If you reside outside of the State of Massachusetts, please contact us so that we can evaluate whether we can adequately service your lending or deposit product needs.

FREE Checking Plus
Non-Interest Bearing
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• $10 Minimum to Open
  
• No Monthly Service Charges
  
• Free first order of checks ($75 allowance)
  
• Night Depository
  
• Free foreign ATM transactions (surcharges may apply at non-SUM ATM's)
  
• Free Online Banking with Bill-Payment
  
• ATM/Point of Sale Access (NYCE, Plus & MasterCard Networks)
  
• Direct Deposit/Automatic Withdrawal
  
• 24 Hour access using our 800 number
  
• Internet access using BANKNBSB eBanker

• $10 Minimum to Open
  
• No Monthly Service Charges
  
• Night Depository
  
• Free foreign ATM transactions (surcharges may apply at non-SUM ATM's)
  
• Free Online Banking with Bill-Payment
  
• ATM/Point of Sale Access (NYCE, Plus & MasterCard Networks)
  
• Direct Deposit/Automatic Withdrawal
  
• 24 Hour access using our 800 number
  
• Internet access using BANKNBSB eBanker

Teen Checking
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This account offers the same features and benefits as adult checking accounts PLUS some extras just for teens.

• $1 Minimum to open
  
• Open to teens aged 15 - 18
  
• Checking account responsibility course must be completed prior to account being opened Click Here for Course
  
• Parent or legal guardian must be account co-owner
  
• No overdraft privilege
  
• Free non interest-bearing checking with unlimited check writing
  
• Free checks
  
• Free ATM card
  
• Free online banking and bill payment
• Free ATM transactions at SUM ATMs
• Account converts to Free Checking Plus when owner reaches age 19
• Direct deposit/automatic withdrawal
• 24 hour access using our 800 number
• Cash for good grades*

To open a Teen Checking Account:
1) Complete the online checking account responsibility course: Click Here for Course

2) Complete the online account application: Apply for an account online

That's it! We will contact you to make arrangements to complete the account opening process through the mail, in person at the branch of your choosing, or at our next school banking day!

NOW Account
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Balance of $1,000+	Annual Percentage Yield (APY) 0.10%	Interest Rate 0.10%
Less Than $1,000	Annual Percentage Yield (APY) 0.10%	Interest Rate 0.10%

• $10 Minimum to Open
  
• No Monthly Service Charges
  
• No per check charges
  
• Night Depository
  
• ATM/Point of Sale Access (NYCE, Plus & MasterCard Networks)
  
• Direct Deposit/Automatic Withdrawal
  
• 24 Hour access using our 800 number
• Internet access using BANKNBSB eBanker
• Rate subject to change after account is opened. Fees may reduce the earnings on these accounts.

• $10 Minimum to Open
  
• No Monthly Service Charges
  
• Night Depository
  
• Bank By Mail
  
• Direct Deposit
  
• 24 Hour account information using our 800 number
• Internet access using BANKNBSB eBanker (viewing & credit transactions only)
• Rate subject to change after account is opened. Fees may reduce the earnings on these accounts.

• $1 Minimum to Open
  
• Open to children and young adults under 19 years of age
  
• Balances over $500 will earn statement savings rate.
  
• Account converts to statement savings account when owner reaches age 19.
  
• Limit one account per minor tax owner.
• No Monthly Service Charges
  
• Night Depository
  
• Bank By Mail
  
• Direct Deposit
  
• 24 Hour account information using our 800 number
• Internet access using BANKNBSB eBanker
• Transaction Limitations Apply
• Rate subject to change after account is opened. Fees may reduce the earnings on these accounts.

*Tier 1 - An interest rate equal to that paid on a regular statement savings account will be paid only for that portion of your daily balance that is $500.01 or more. The annual percentage yield (APY) range for this tier is shown above, and depends on the balance in the account, assuming a maximum of $1,000. Tier 2 - The above interest rate will be paid on the entire portion of your daily balance that is less than $500.01.

Statement Savings
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Annual Percentage Yield (APY) 0.25%

Interest Rate 0.25%

• $10 Minimum to Open
  
• No Monthly Service Charges
  
• Night Depository
  
• Bank By Mail
  
• ATM Access (NYCE & Plus Networks)
  
• Direct Deposit/Automatic Withdrawal (Transaction limits apply)
  
• 24 Hour access using our 800 number
  
• Internet access using BANKNBSB eBanker
• Rate subject to change after account is opened. Fees may reduce the earnings on these accounts.
• Transaction Limitations Apply

Club Accounts
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Annual Percentage Yield (APY) .25%

Interest Rate .25%

• $2 Minimum to Open
  
• Direct Deposit
  
• Passbook Account
  
• Checks are mailed at maturity
  
• No need to open a new account at maturity
  
• No monthly service charges
  
• Vacation Clubs Mature June 1
  
• Christmas Clubs Mature November 1
  
• Internet access using BANKNBSB eBanker (viewing & credit transactions only)
• Rate subject to change after account is opened. Fees may reduce the earnings on these accounts.