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Personal Banking > Personal Checking

Personal Checking

Everyone has their own unique set of financial needs. It’s time to explore yours.

All of our checking accounts feature the following benefits:

Totally Free Checking

With our Totally Free Checking account, you get all the essentials and no fees or hassles. This is a great account for college students, or anyone looking to take control of their finances.

Open an Account

Partnership Account

A Partnership Account with
Salem Co-operative Bank gives you additional control over checking and savings options. Designed to fit your needs and priorities, it’s the ultimate way to take advantage of our tiered premium rates.

Open an Account

Interest Checking Account

For those ready to step up from a basic account and earn interest on their money, an Interest Checking Account from
Salem Co-operative Bank is the perfect solution.

Open an Account

Senior Advantage Checking

For individuals 60+, our Senior Advantage Checking account is an excellent option for promoting a sound financial future.

Open an Account

Open a checking account with Salem Co-op Today!

Contact us today to discuss the account that works best for you!

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View a comparison of our accounts
CHECKING ACCOUNTS
Totally Free
Partnership Checking
Interest Checking
Senior Advantage
Minimum Balance to Open
$10.00
$10.00
$10.00
$10.00
Pay Interest
No
Yes*** 
Yes***
Yes***
Minimum Daily Balance to Earn Interest
No interest paid
$.01
$500.00
$1
Free Standard Salem Co-Operative 
Bank Check
Yes
Yes
No
Yes
Monthly Maintenance Service Charge
None
$17.50 if daily balance 
falls below combined 
$7,500.00*
$8.00 if daily 
balance falls 
below $500.00
None
Minimum Daily Balance to Avoid 
Service Charge
None
$7,500.00* combined
$500.00
None
Age Requirement to Open
18 years
18 years
18 years
60 years
Overdraft Protection / Line of 
Credit Available
Yes **
Yes **
Yes **
Yes **
Direct Deposit Available?
(Routing #211472977)
Yes
Yes
Yes
Yes
No annual fee Debit/ATM Available?
Yes
Yes
Yes
Yes
Online Banking Available with Free 
Bill Pay
Yes
Yes
Yes
Yes
Imaged Statements 
Yes
Yes
Yes
Yes

Additional Resources

Personal Deposit Rates and Fees | FDIC Insurance Estimator| Important Information about Opening Accounts | FDIC Video

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