There's more to a Checking Account than easy access to your money.

Maybe you want to keep it simple or earn interest. Possibly you need ATM access, online bill pay, or credit score monitoring. Check out our chart below to find one that’s right for you.


 

Product Small Business Commercial Investment
Best for Businesses that have fewer than 300 transactions per month and maintain a low balance Businesses that have fewer than 300 transactions per month and maintain a low balance Businesses that have fewer than 300 transactions per month and maintain a low balance
Minimum to Open $0 $100 $100
Interest on Amounts Over $100,000 No No Yes 
Interest on First $100,000 None None None
Monthly Service Charge $0 $7.50 $7.50
Transactions Included 300 free checking transactions, including checks paid, deposits, deposited items, ACH credits/debits, and transfers 40 free checks paid
and 20 free deposits
and
100 free bulk items (deposited items)
 
Fee for Each Additional Transaction $0.35 $0.25 per check paid
$0.65 each deposit
$0.10 each bulk item
 
Earnings Credit Can Reduce or Eliminate Monthly Service Charge and Transaction Fees No Yes
Credit is earned for every $100 that the
average collected balance is over
$1500. The earnings credit rate is
adjustable.
 
Sweep Available Overdraft Protection* Courtesy Pay Sweep at any dollar amount**  
Earns Interest No Use the Sweep** for Automatic Cash Management (Maximize Interest).  
Account Includes Online Banking
Mobile Banking For iOS And Android
Telephone Banking
Text Banking
Mobile Check Deposit
Instant Issue MasterMoney Debit Card
Use Any ATM Surcharge
Reimbursement*
Thousands of Free SUM ATMs
E-statements
Online Banking
Mobile Banking For iOS And Android
Telephone Banking
Text Banking
Mobile Check Deposit
Thousands of Free SUM ATMs
E-statements
 
Safe and Secure FDIC Insurance
DIF Insurance
(full balance insurance, above what FDIC pays)
Fraud Monitoring
FDIC Insurance
DIF Insurance
(full balance insurance, above what FDIC pays)
Fraud Monitoring
 
 
Overdraft Protection

Safeguard yourself from returned checks, preserve your credit rating, and protect yourself against overdraft charges by selecting an optional Overdraft Protection service.

Savings Sweep

Automatically transfer funds from your savings account to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. The usual overdraft charge is $30 for every check returned for insufficient funds.

Courtesy Pay

Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $1,500 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.

Automatic Cash Management Sweep

Maximize your income, earn higher interest rates, and maintain ready access to your cash, without investing extra time. We can automatically manage your cash. You set the amount of money you want to keep in your checking account each day. After your daily transactions are reconciled, any amount in excess of the amount you set is automatically transferred into a high-interest sweep account. If the reconciled amount is less than what you set, the funds you need are transferred to your commercial checking account.

Product Small Municipal Large Municipal Municipal Investment
Best for Municipalities that have fewer than 350 transactions per month and maintain a low balance Municipalities that have a moderate or high monthly transaction volume and maintain a high balance For those who keep a $100,000 minimum balance in a checking account, Municipal Investment Checking provides a high rate of interest on the amount over $100,000.
Minimum to Open $0 $100 $100
Interest on Amounts Over $100,000 No No Yes. 
Interest on First $100,000 None. None. None.
Monthly Service Charge $0 $7.50  
Transactions Included 300 free checking transactions, including checks paid, deposits, deposited items, ACH credits/debits, and transfers 40 free checks paid
and 20 free deposits
and
100 free bulk items (deposited items)
 
Fee for Each
Additional
Transaction
$0.35 $0.25 per check paid
$0.65 each deposit
$0.10 each bulk item
 
Earnings Credit
Can Reduce or
Eliminate Monthly
Service Charge
and Transaction
Fees
No Yes
Credit is earned for every $100 that the
average collected balance is over
$1500. The earnings credit rate is
adjustable.
 
Sweep Available Overdraft Protection* Courtesy Pay Sweep at any dollar amount**  
Earns Interest No Use the Sweep** for Automatic Cash Management (Maximize Interest).  
Account Includes Online Banking
Mobile Banking For iOS And Android
Telephone Banking
Text Banking
Mobile Check Deposit
Instant Issue MasterMoney Debit Card
Use Any ATM Surcharge
Reimbursement*
Thousands of Free SUM ATMs
E-statements
Online Banking
Mobile Banking For iOS And Android
Telephone Banking
Text Banking
Mobile Check Deposit
Thousands of Free SUM ATMs
E-statements
 
Safe and Secure FDIC Insurance
DIF Insurance
(full balance insurance, above what FDIC pays)
Fraud Monitoring
FDIC Insurance
DIF Insurance
(full balance insurance, above what FDIC pays)
Fraud Monitoring
 
 
Overdraft Protection

Safeguard yourself from returned checks, preserve your credit rating, and protect yourself against overdraft charges by selecting an optional Overdraft Protection service.

Savings Sweep

Automatically transfer funds from your statement savings account or line of credit to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. Automatically transfer funds when you need it from a line of credit that is linked to your account. There is no transfer charge, although you pay interest for using the line of credit. The line of credit can be used as a reserve in the event of an overdraft, or as a borrowing account.

Courtesy Pay

Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $800 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.

Automatic Cash Management Sweep

Maximize your income, earn higher interest rates, and maintain ready access to your cash, without investing extra time. We can automatically manage your cash. You set the amount of money you want to keep in your checking account each day. After your daily transactions are reconciled, any amount in excess of the amount you set is automatically transferred into a high-interest sweep account. If the reconciled amount is less than what you set, the funds you need are transferred to your commercial checking account.

Interest On Lawyers Trust Accounts (IOLTA) are for attorneys and law firms that maintain escrow funds for multiple clients. This account has checking privileges for lawyers to disburse funds. There is no minimum amount required to open the account, minimum balance, or per-check fees.

An IOLTA Checking Account pools the funds into a single, interest-bearing account. The account allocates interest earned to the Massachusetts Bar Foundation, the Boston Bar Foundation, and the Massachusetts Legal Assistance Corporation for charitable purposes.




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DISCLOSURES PRIVACY SECURITY TERMS/CONDITIONS
 
Pittsfield Cooperative Bank| 70 South Street | Pittsfield, MA 01201 | 413-447-7304 | Routing Number 211870142 | NMLS#409454 © Pittsfield Cooperative Bank. All Rights Reserved
Pittsfield Cooperative Bank | 70 South Street
Pittsfield, MA 01201 | 413-447-7304
Routing Number 211870142 | NMLS#409454
© Pittsfield Cooperative Bank. All Rights Reserved