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The bank offers a variety of checking accounts so customers can choose the best options for their circumstances. Many accounts are eligible to receive Overdraft Privilege protection. CLICK HERE to learn more.
That’s right... free! With a Haverhill Bank personal checking account, you don’t have to worry about a monthly fixed charge. You don’t have to be concerned about maintaining a minimum balance. It’s not required. Yet this account still gives you the freedom to write as many checks, make as many deposits and perform as many automated teller machine (ATM) transactions (at all Haverhill Bank locations) as you like.
*Free. No monthly fixed charge. If you decide to use overdraft services fees may apply.
With the NOW account, you can withdraw cash or pay bills anytime, anywhere, by writing a check. Like a savings account, NOW checking earns interest from day of deposit to day of withdrawal, providing that the balance is $10 or more.
The monthly fixed charge and the per check charge will be waived on your NOW account if you maintain a daily minimum balance of $400 or the combined balances in your saving accounts, money market accounts and certificates of deposit is $5,000 or more everyday during the statement cycle.
If you carry a combined minimum balance of $10,000 in your Gold, savings and/or certificate of deposit (CD) accounts, you're eligible for this special NOW checking account. You get free Gold check orders, free travelers checks, free cashier’s checks and free money orders. And, no annual IRA fee. Also, you may apply for a VISA debit or an ATM card and use it free at any Haverhill Bank ATM. If you do not use an ATM owned and operated by Haverhill Bank, there may be a surcharge for use of the machine.
This checking account really pays! With free Rewards Checking, your qualifying accounts earn special bonus rates of 4.50 percent APY* on balances up to $50,000 and 2.50 percent APY on balances over $50,000. A standard rate of 0.15 percent APY applies if qualifying transactions are not met. In addition, you may bank for free at ATMs nationwide.
In order to receive your bonus rates and a refund of all non-proprietary ATM surcharges, simply perform the following qualifying transactions each cycle:
- Complete 10 debit card purchases
- Access online banking
- Receive one monthly electronic statement
- Receive one direct deposit or ACH Auto Debit
Requirements: You must maintain an online account with a current e-mail address.
*4.50% Annual Percentage Yield (APY) paid on balances up to $25,000.00, 4.50% APY on balances from $25,000.01 to $50,000.00 and 2.50% APY on balances over $50,000.00 each statement cycle the requirements are met (with an APY of 3.83% assuming the maximum deposit of $75,000.00). Rates are accurate as of March 26, 2008. The rate is variable. The rate and APY may change at any time after account is opened. Available on personal accounts only. Qualifying transactions are measured for items posted to your account for the monthly period beginning the last business day of the previous statement cycle through the next to last business day of the current statement cycle. If you do not meet the qualifying transactions you will earn 0.15% APY and will not receive a refund of ATM fees and non-proprietary ATM surcharges nationwide. If you do not meet the Rewards Checking requirements, Haverhill Bank reserves the right to convert your account to a Regular Checking account.
People 62 years or older are entitled to NOW checking with no monthly service charge and no minimum balance. You also get free basic check orders, free cashier’s checks and free money orders.
Avoid embarrassing situations with any one of several overdraft protection options. You may pre-authorize automatic transfers between your savings and checking accounts, activate a SafetyNet credit line (call for details) or take advantage of Overdraft Privilege to cover overdrafts. Overdraft Privilege is automatically available on eligible accounts. With this service, Haverhill Bank will consider, without obligation on its part, paying overdrafts of up to $800. Any and all fees and charges, including without limitation, insufficient funds/overdraft fees (as set forth in the bank’s fee schedules) will be included in this limit.*
*$20.00 overdraft or insufficient funds charge applies to overdrafts created by check, an in person withdrawal, an ATM withdrawal or other electronic means. You must bring your balance positive immediately or as soon as possible and at least every 30 days. The bank cannot promise to pay every overdraft and is never obligated to pay your overdraft. The bank typically does not pay overdrafts if your account is not in good standing, for example, you are not making regular deposits.
In addition, images of your cancelled checks appear on your online statement as soon as they are processed. You can easily view the front and back of each check by clicking on its image when you access your online account. No more waiting for your monthly statement to see your cancelled checks.
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