Personal
Checking
Southbridge Savings Bank offers a variety of checking accounts designed to meet the differing needs of our customers.
Key Rewards Checking Account
Key Tunes Checking Account
Key Checking Account
Campus Key Checking Account
Silver Key Checking Account
Gold Key Checking Account
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Description of Checking Account Services
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Key Rewards Checking Account
Looking for an account that gives you more for using convenience items?
Then Key Rewards Checking is for you.
- CD quality rates on qualifying accounts2
- No monthly service charge
- FREE telephone and internet banking with FREE online bill pay
- FREE ATM/Debit card with Debit Card rewards program
- No fee nationwide ATM use for qualifying accounts2
- FREE Identity Fraud service
- No per check charges
- $750.00 overdraft privilege for qualified customers†
- $25.00 minimum deposit required to open account
- Combine with Key Rewards Saver for even more benefits
2Qualifying transactions to receive higher rates** and ATM Fees Rebated: Receive Monthly Statement Electronically, 10 Debit Card Purchases during statement period, Automatic Withdrawal/Deposit or Electronic Payment. If you do not meet the requirements per qualification period, your account will still function as a free checking account, it will not receive ATM refunds for that time period. There is no limit to the amount of ATM refunds you can receive. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $25 to open this account. Available to Personal Accounts only. No monthly service charge.
Click here for Qualification Period Calendar
Key Tunes Checking Account
Key Tunes Checking is specifically designed to meet the needs of people who enjoy using media devices while offering a no fee checking and extra benefits.
- Earn up to 5 iTunes® Downloads when you sign up3
- 5 iTunes® Downloads per month on qualifying accounts3
- No fee nationwide ATM use for qualifying accounts2
- No monthly service charge
- FREE telephone and internet banking with FREE online bill pay
- FREE ATM/Debit Card with Debit Card rewards program
- No per check charges
- $750.00 overdraft privilege for qualified customers†
- $25.00 minimum deposit required to open account
3Earn iTunes®download refunds up to $4.95 with initial account opening regardless of qualifications. Earn up to $4.95 each cycle the minimum qualifications are met. 5 and 5 downloads are based on $0.99 per download (excluding taxes). Sales taxes may apply potentially reducing the number of downloads reimbursed. iTunes® must be purchased with your debit card associated with your Key Tunes account. iTunes® is a trademark of Apple, Inc. The program is not endorsed by iTunes® or Apple® nor is there any actual or implied joint venture, partnership or relationship of any kind between the bank and Apple's® iTunes®
Requirements to earn the iTunes® and no fee nationwide ATM use include:
- Minimum 20 debit card purchases during statement period
- Enroll and Receive monthly statement electronically
- Access Online Banking
Note: Accounts that do not qualify during a monthly statement period will maintain no-fee account status, however, you will not qualify for ATM refunds or iTunes® refunds for that time period
Key Checking Account
Designed to meet basic check writing needs,
our no fee Key Checking Account includes:
- No monthly service charge
- FREE telephone and internet banking with FREE online bill pay
- FREE ATM/Debit card with Debit Card rewards program
- No per check charges
- $750.00 overdraft privilege for qualified customers†
- $25.00 minimum deposit required to open account
Campus Key Checking Account
Campus Key Checking is specifically designed to meet the needs of the student lifestyle - offering no fee checking and extra benefits to today’s college students.
- FREE gift with account opening
- No monthly service charge
- FREE telephone and internet banking with FREE online bill pay
- FREE ATM/Debit card with Debit Card rewards program
- FREE incoming wire transfers
- 4 Free sheets of checks1
- No per check charges
- Discount on Auto Loans
- 5 Free non-Southbridge Savings Bank ATM uses per month ($1.00 service fee for each subsequent use). Other bank surcharges may apply.
- $100.00 overdraft privilege for qualified customers†
- After 5 years, account is transferred to a Southbridge Savings
Bank Key Checking Account** - $25.00 minimum deposit required to open account
- $25.00 minimum balance required to maintain account
- Must be ages 17-23 to open a Campus Key Checking account
1Free checks available for customers ages 17 & 18
Silver Key Checking Account
Our Silver Key interest bearing checking account includes several added features and benefits - delivering the convenience and flexibility of modern day banking.
- Earns interest on balances of $500.00 or greater**
- FREE telephone and internet banking with FREE online bill pay
- FREE ATM/Debit card with Debit Card rewards program
- FREE custom creation checks for the life of the account
- No per check charges
- $750.00 overdraft privilege for qualified customers†
- Enjoy all of the same account benefits if your statement average daily balance falls below $500 for a low monthly maintenance service charge of only $6.95
- $50.00 minimum deposit required to open account
Gold Key Checking Account
For customers with a combined checking and savings balance of $25,000 or greater, we offer our interest bearing Gold Key Checking Account. This account provides relationship rewards and discounts to eligible customers.
Enjoy all the benefits of our Silver Key Checking Account, plus:
- Earns Interest on balances of $500 or greater**
- FREE Platinum VIP Visa® Check Card with Travel Accident Insurance
- 10% discount on safe deposit boxes
- FREE money orders
- FREE traveler checks
- FREE bank checks
- Loan Specials
- CD Special
- Personal Financial Consultant services
- FREE Overdraft Protection
- $1,500.00 overdraft privilege for qualified customers†
- $9.95 monthly maintenance service charge waived if average daily combined checking and savings balances remains over $24,999.99
- $100 minimum required to open account
**See rate schedule for current interest rate
† If you use Overdraft Privilege, you will be charged a $25.00 insufficient funds charge for each item. The following categories of transactions for which such a fee may be imposed are: for the payment of overdrafts created by check, in-person withdrawal, or electronic means. You would be required to repay any overdraft created by using your Overdraft Privilege within 30 calendar days to remain in good standing. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example; we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.
Group Checking Accounts also available
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