Like no monthly fees, access to an exclusive high yield savings account, and free credit score monitoring.
*Free ATMs through full ATM reimbursement
**Annual Percentage Yield (APY) as of February 1, 2025. The APY for the GoalGetter Savings account is 4.25% for balances up to $10,000. For total balances above $10,000, the rate is blended; the first $10,000 will earn 4.25% APY and the remaining balance will earn 0.05% APY. For example, if your GoalGetter Savings account had a daily balance of $15,000, you would earn 4.25% APY for that day on $10,000 and 0.05% APY on the remaining $5,000. Rate subject to change. Limit one account per tax reporting owner. Needham Bank Flex Checking account required. Personal accounts only.
Enjoy NO monthly fees on your Flex Checking account, plus you’ll get free ATMs worldwide—you’ll get reimbursed for all ATM fees any time you use another bank’s ATM.
Easily keep a close eye on your your credit score, manage credit alerts, use the credit simulation tool, and so much more—included free with your Flex Checking account.
Super charge your savings with an exclusive 4.25% APY** on a GoalGetter Savings account. You’ll also get access to our virtual Goal Builder tool so you can track every dollar saved toward your goal.
Flex Checking is not just any free checking account, it was built with you and your financial goals in mind. Open your Flex Checking account online or at your nearest branch today.
NB Checking is now known as Flex Checking! You’ll enjoy more benefits than ever, plus access to an exclusive high-yield savings rate on our GoalGetter Savings account… and still no fees.
Please note that your checking account and debit card remain the same—only the account name has changed.
No action is required on your part. Your checking account and debit card will remain the same – only the account name will change to Flex Checking.
Think of a checking account like your money’s home base. How does it work? Just team up with a financial partner like Needham Bank (hi, that’s us!) to safely store your funds. You can then access those funds for daily transactions, like paying bills, depositing checks, withdrawing cash, and more.
All you need to open a checking account is five minutes — plus some basic personal information and an ID, like your driver’s license.
Sure can! Pajamas welcome. You can get started by filling out this form to open your free Needham Bank Personal Checking Account.
Some checking accounts earn interest, but others don’t. Ours does, by the way — see our current deposit rates or ask one of our experts to learn more!
Nope! You can open your free Needham Bank checking account without worrying about a ding on that shiny credit score.
Good news: Your Flex Checking account has no minimum balance requirement to earn interest. However, if we’re talking about financial health, it’s probably a good idea to keep enough money to cover things like bills, outings, and unexpected expenses. If you’re not sure what that number is, we can help!
If a checking account is like your money’s home base, a savings account is like a secret room. Stashing funds away in a savings account means they’re not quite as easily accessible, and you’ll usually earn a little more interest too.
You can have as many checking accounts as you want! However, when it comes to personal finances, intention and strategy go hand-in-hand. Let’s talk about why you might need more than one and how we can help.