• Simply Free Checking
  
  

  Simply Free...
  of monthly service charges
  
  Simply Free...
  of ATM fees at any NMSB ATM
  
  Simply Free...
  of minimum balance requirements
  
  Simply Free...
  convenient check imaging
  
  Simply Free...
  of account relationship requirements

  Call our customer service department at 978-772-3306 for an application!

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• Easy Does It Checking Accounts
  
  

  We offer two options for Easy Does it checking.

  Basic Checking — Unlimited check writing, no minimum balance and low monthly maintenance fee of $5.00. The monthly maintenance fee is waived if a recurring electronic direct deposit is made to the account.

  Plus Checking — Unlimited check writing. Avoid the monthly maintenance fee by maintaining a balance of $500.00.

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• Easy Does It NOW Accounts
  
  

  NOW Account — Pays a market rate of interest and offers unlimited check writing with no monthly maintenance fee when a minimum balance of $750.00 is maintained.

  PREMIUM NOW Account — Pays a higher rate of interest as your balance increases. There is no monthly maintenance fee if a minimum balance of $2,500.00 is maintained.

  Advantage NOW Account — This market rate account pays you a higher rate of interest on balances of $25,000.00 or more. Minimum balance is $25,000.00.  Receive free EasyLINK with bill pay when minimum balance is maintained.

   

• Easy Start Student Checking
  
  -Offered to students age 17 to 22
  -No minimum balance
  -No monthly maintenance
  -EasyLINK (Internet Banking) or EasyLINK with Bill Pay Free of Charge*  
  -Free ATM/Visa Check**
  -Free Telephone Transfers - Easy Info
  -First order of standard or tie-dye checks free
  -Free one way parental transfers***
  -One-time refund of an unexpected service charge***
  
  * You must be 18 years of age or older to qualify for the Bill Pay Service                                                                                         ** When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used to complete the transfer and you may be charged a fee for a balance inquiry.  Lost/Expedited ATM card fees may apply.                        *** Please see a customer service representative for further information.    

• Max Checking

  A free checking account that pays 2.28% APY* on balances up to $50,000, when account requirements are met.  In addition to the great rate, Max features:

• NMSB assessed ATM fees waived
• Foreign ATM fees** rebated
• Free Easy Link online banking and bill pay
• Electronic statements
• 2.28% APY* on balances from $10 to $50,000
• 0.25% APY on balances greater than $50,000
• 0.25% APY if account requirements are not met
  
  *APY = Annual Percentage Yield.  Account will earn 2.28% APY on balances from $10 and up to $50,000 when account requirements are met during the eligibility cycle (Eligibility Cycle starts the day after the third Wednesday of each month and ends the day before the third Wednesday of the next month.).  To earn the Maximum Rate and nationwide refund of ATM fees, the account must have: 12 posted debit card purchases, (excluding ATMs), receive account statement electronically (when available); access online banking once and receive a recurring direct deposit of a pension, payroll or government issued credit.  If these conditions are not met during the eligibility cycle, the account will earn 0.25% APY.  Balances greater than $50,000 will earn 0.25% APY. Rate subject to change. Monthly maintenace fee of $5.00 if account balance falls below $500.00 anytime during eligibility cycle.   
  **NMSB assessed ATM fees are waived and NMSB will refund up to $5.00 in transaction fees when using another bank’s ATM, each statement cycle upon customer’s request.
  
  Deposit Market Area
  
  Should you require additional information on any North Middlesex Savings Bank product, please contact your local branch or our Customer Service Department at 978-772-3306.

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