Checking accounts are the foundation of personal money management, giving you the ability to handle your finances easily and efficiently.

At The Merrimack, all personal checking accounts come with:

• Free Merrimack 24 Online Banking and Bill Payment
• Free Merrimack 24 MasterMoney Debit or ATM Card
• Option of companion savings account on same statement
• Overdraft protection with CheckReserve (if approved)
• Free access to Merrimack 24 Telephone Banking
• Free transactions at any MCSB-owned ATM
• Surcharge-free transactions at all participating SUM ATMs (visit www.sum-atm.com for most current list)
• Direct Deposit
• Automatic Payment
• Easy to read monthly statement

Choose from the following for the checking account that best meets your needs.

Premium Checking

Premium Checking is an interest-bearing account that rewards you for choosing The Merrimack for more of your banking business:

• Free checks
• Preferred CD rates - Click here
• Discounts on consumer loans
• Companion Premium Savings Account
• Free Travelers Checks
• CheckReserve Overdraft Protection (if approved) with no Annual Fee

You pay no monthly service charge if the average combined monthly balance of your linked accounts is $10,000 or more. Linked accounts may include your deposit accounts, including CDs, consumer loans, home equity loans, home equity lines of credit, and residential mortgage loans. A $15 monthly service charge applies only if these combined balances fall below $10,000.

Premium Plus Checking has all the above benefits, plus premium rates on balances of $25,000 and over. Direct Deposit is required.

Interest Checking

Interest Checking earns interest on your money, with no transaction charges. Just maintain an average daily balance of $500 to avoid a $5 monthly service charge during the statement period.

Basic Checking

Basic Checking is FREE - no monthly service and transaction charges, no minimum balance requirements.

Switch Kit

Switch Kit - Click here for forms and checklist to simplify the process of switching to The Merrimack.