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We offer a range of personal checking and savings accounts to meet a variety of money management needs. Whichever account you select, you’ll enjoy convenience together with exceptional value. You also enjoy the security of knowing your deposits are insured in full.
Free REWARDS Checking
Checking that pays you more!
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*Annual Percentage Yield (APY) is effective as of February 16, 2010 and may change after that date. Available for personal accounts only. For balances up to $25,000, the APY is 3.00%. For the portion of your balance above $25,000, the interest rate is .75% with an APY varying from 3.00% for a balance of $25,000.01 to 1.88% assuming a maximum deposit of $50,000. The minimum balance to open the account is $25; the minimum balance to earn the APY is $.01. If you do not meet the three requirements delineated above during a statement period, your account will still be free; however, you will earn the base APY of .05% for the statement period and you will not receive ATM fee refunds for the statement period. Fees could reduce earnings on the account.
Free Checking
At Adams Co-Operative Bank, Free Checking is just the beginning. We give you a whole package of free banking services:
- Free Checking with No minimum balance, No monthly service charge, No per-check fees
- Free Standard Checks—not just the first order, but ALL your checks
- Free ATMs anywhere—we never charge our customers for using any ATM
- Free Debit Card with NO annual fee
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
NOW Account
Earn interest on your checking account balances and have unlimited check writing, free ATM access at Adams Co-Operative Bank ATMs, free Debit Card with NO annual fee, free Online Banking, free Online Bill Pay and your first order of standard checks free.
Passbook & Statement Savings
The convenient way to set money aside for any purpose. Choose traditional Passbook Savings or Convenient Statement Savings, which can be linked to any Adams Co-Operative Bank Checking Account for convenient funds transfer.
Christmas Club Accounts
Make saving for holiday gift-giving easy and convenient. Weekly, biweekly or monthly withdrawals from your Adams Co-Operative Bank Checking or Savings account make saving automatic.
Money Market Accounts
Want to earn a Money Market rate of return? Our Money Market Account, available as passbooks or statements, offers a great way to keep your savings hard at work. The statement Money Market Account offers limited check-writing privileges.
Performance Investment Account
Our Performance Investment Account is the perfect answer to boost your earnings while you have instant availability to your funds. You'll enjoy unlimited checkwriting, unlimited transfers, unlimited ATM & debit card transactions and online banking without any management fees or monthly maintenance fees. Plus, this tiered-rate account allows you to automatically earn more money based on your account balance.
Certificates of Deposit (CDs)
Earn a competitive, guaranteed rate of return over a fixed term. A range of terms is available to meet your savings needs.
Individual Retirement Accounts (IRAs)
Start planning today for retirement with an IRA from Adams Co-Operative Bank! We offer a choice of fixed and variable rate IRA accounts. There’s no annual fee, and you can open your account with as little as $100.
All your deposits are insured in full. Even over $250,000!
Every deposit you make at Adams Co-Operative Bank is insured in full, dollar-for-dollar, without restriction. This includes deposits and accumulated interest in savings accounts, checking and interest-bearing transaction accounts, money market accounts, and term deposit accounts such as certificates of deposit. (Deposits in “self-directed” retirement accounts are insured separately up to $250,000.)
This protection is provided by a unique combination of coverage provided by the Federal Deposit Insurance Corporation (FDIC) and the Share Insurance Fund of The Co-operative Central Bank (SIF). No other bank provides more deposit insurance.
Banking the way you like it
For more information about our products and services, please use our information request form, stop by any office or call (413) 743-0001 to speak with a member of our staff.
