Compare Checking Options

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 more

OR 

Maintain a Cape Cod 5 Trust and Asset Management relationship

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 Money Orders and 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, debit card replacement 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
Exclusive Customer Service Number No No No

Yes

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 Withdrawal and Purchase Limits No No No Yes
Higher Mobile Deposits and Bank to Bank Transfer Limits No No No Yes

 

Learn more about Free Checking

 

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Learn more about Primary Banking

 

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Learn more about PrimaryPlus Banking

 

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Learn more about Premier5 Banking

 

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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. 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 discretionary payment. If you overdraw your account, you must return the account to a positive balance within 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.

Prefer to open an account in person?

Visit a Banking Center Location

Need Help?

Call 888-225-4636

—  or  —

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