Last Updated: 01/21/2026
Needham Bank Free Personal Checking
Unaffiliated
in Checking Accounts from Needham Bank
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
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APY (Annual Percentage Yield)
Monthly Service Fee
Needham Bank Free Personal Checking Review
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $10 to open an account.
- No ATM fees. Needham Bank Free Personal Checking does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Needham Bank mobile or online banking.
Needham Bank Free Personal Checking Pros & Cons
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Needham Bank Free Personal Checking FAQ
Are checking accounts from Needham Bank federally insured?
What APY does Needham Bank Free Personal Checking offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the account minimums for Needham Bank Free Personal Checking?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Needham Bank Free Personal Checking charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Needham Bank Free Personal Checking offer?
- Fraud monitoring - Needham Bank Free Personal Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Needham Bank Free Personal Checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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