Whether you're spending or saving, start with heart.
4.00% APY1
On balances up to $15,000
With just $10, open our Rewards Checking Account and earn interest.
See account details below.
Our Rewards Checking Account includes:
- Free ATM or debit card2
- Free online/text/app banking3
- Free online bill pay
- MX Personal Financial Management
- Deposits insured in full by FDIC and DIF
- Free mobile deposit
- Surcharge-free withdrawals at over 75,000 ATMs (SUM®, MoneyPass® and Allpoint® network ATMs. Non SUM®, MoneyPass® and Allpoint® ATM networks may charge a separate fee.)
Rewards Checking Account requirements:
Account requirements to earn 4.00% APY1 and up to $20 foreign ATM surcharge fees reimbursed. If criteria is not met, account will earn 0.01% interest.
- Online Banking enrollment
- eStatement enrollment
- Minimum of 10 debit card purchases
- A direct deposit of $100 or more per statement cycle
| Balance | Interest Rate | APY1 |
|---|---|---|
| $0.00 - $15,000.00 | 3.92% | 4.00% APY1 |
| $15,000.01+ | 0.01% | 4.00% - 0.01% APY1 |
1The Annual Percentage Yield (APY) is 4.00% as of 4/1/25. Balances up to and including $15,000.00 will earn an APY of 4.00%, balances in excess of $15,000.00 will earn an APY of 4.00% 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. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements, a direct deposit of $100 or more, 10 debit card purchases per month. Rate is subject to change. Fees may reduce earnings.
2The Bank charges $20.00 for a replacement ATM or debit card.
3Cellular carrier message and data rates may apply.
How to open an account
Visit one of our branches
What you'll need
- Valid photo ID
- If using a passport or valid photo ID and it has your incorrect physical address, you need to provide one of the following for proof of address: bill, car insurance, bank statement, rental agreement, or new mortgage statement.
How to switch banks
- Make sure you have the account number for your new Pentucket Bank account AND your account number for your old account available.
- Also, have information for any organization that makes automated deposits to or debits from your old account.