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 |
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| 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 |
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| 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 |
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| 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 | |
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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.