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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.
Checking Accounts

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 Checksnot just the first order, but ALL your checks
- Free ATMs anywherewe 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.
Savings Accounts

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.
CDs and IRAs

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 Deposits Insured in Full
At Adams Co-operative Bank every deposit is insured in full. The Federal Deposit Insurance Corporation (FDIC) insures “self-directed” retirement accounts to $250,000 per owner, and each other ownership category to at least $100,000 per owner. All deposits above that amount are insured by the Share Insurance Fund of Massachusetts (SIF). There are no maximum account limitations or amount limitations.
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.
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