Get more from your banking relationship. Explore our options and choose the account that is right for you.
| PERSONAL CHECKING ACCOUNTS | |||||
| Free Checking |
Primary Banking | PrimaryPlus Banking |
Premier5 Banking |
||
| Account Overview |
Simplified banking with free checking and no extra fees | Flexible banking with options to avoid monthly fees | Convenience and a wide range of banking benefits | Our premium account that rewards you with exclusive features | |
| Monthly Maintenance Fee | $0 | $7 | $12 | $20 | |
| How to Waive the Maintenance Fee |
There is no monthly fee You must enroll in eStatements within 60 days of account opening and maintain your enrollment to qualify for this account |
Maintain an average daily balance of $1,000 or more OR Have at least one electronic direct deposit posted during the statement cycle |
Maintain an average daily balance of $1,000 or more AND have combined deposit and loan balances of $10,000 or more OR Maintain a Cape Cod 5 Investment Services relationship |
Maintain an average daily balance of $1,000 or more AND have combined deposit balances of $50,000 OR Maintain a Cape Cod 5 Trust and Asset Management relationship |
|
| Overdraft and Non-Sufficient Funds (NSF) Fee | None | None | None | None | |
| Non-CC5 ATM Withdrawals |
$1 per transaction for use of other banks' ATMs |
5 free per cardholder per month $1 per transaction thereafter |
Unlimited free plus refund of other banks' surcharges | Unlimited free plus refund of other banks' surcharges | |
| Minimum to Open Account | $25 | $100 | $100 | $100 | |
| Earns Interest | No | Yes | Yes | Yes | |
| Statements | eStatement only | eStatement or Paper | |||
| Cape Cod 5 Image Checks | First order free | Unlimited free checks | |||
| Free Treasurer's Checks | Yes | Yes | Yes | Yes | |
| Annual Discount on Safe Deposit Box | No | No | Yes | Yes | |
| Fees Waived For | N/A | N/A | N/A | Inbound wire transfers, external online transfers, stop payments, overdrafts1 and bank to bank transfers | |
| Bonus Rates | No | No | Rate benefits on Select CDs and an exclusive PrimaryPlus Money Market Account | Rate benefits on Select CDs and an exclusive Premier5 Money Market Account | |
| Bonus Credit for New CC5 Mortgage | No | No | No | Yes | |
| Waived or Reduced Fees on Some Loans | No | No | No | Yes | |
| Waived Annual IRA Plan Service Fee | No | No | No | Yes | |
| Higher Daily Debit Card Purchase Limits | No | No | No | Yes | |
| Higher Mobile Deposits and Bank to Bank Transfer Limits | No | No | No | Yes | |
|
Learn more about Free Checking
|
Learn more about Primary Banking
|
Learn more about PrimaryPlus Banking
|
Learn more about Premier5 Banking
|
1We may authorize and pay check, ACH debit and ATM and debit card transactions that overdraw your account up to $1,000. There is no fee for this overdraft protection, and Cape Cod 5 does not charge any fees associated with overdrafts. However, ATM and debit card transactions that would result in the account being overdrawn in excess of $1,000 will be declined, while check and ACH debits may be honored for payment at the Bank’s discretion. If you overdraw your account, you must return the account to a positive balance as soon as practical and within no more than seven (7) days. This overdraft protection may be withdrawn at any time without notice.
You may opt out of Premier5 Overdraft Protection by notifying us in writing.