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Personal Banking

Checking Accounts

Salisbury Bank offers a variety of checking accounts designed to give you value and convenience along with many useful banking services. All of our personal checking accounts offer:

  • FREE Debit Mastercard®
  • FREE e-Banking and e-Pay
  • FREE e-Banking Alerts offer valuable, time-saving updates about your accounts
  • FREE Bank-by-Phone
  • FREE e-Statements
  • FREE direct deposit
  • .25% interest rate discount on auto, personal and unsecured home improvement loans with auto-pay from your checking account
  • 5% discount on Safe Deposit Box rental with auto-pay from your checking account

 

 

Interest Plus Checking
the account that offers big rewards

  Reward Rate
On balances from $.01 up to $25,000

1.50% APY***

On balances above $25,000
depending on the balance in the account

1.50% to 0.30% APY***

  Base Rate
On all balances
when qualifications are not met

0.05% APY***

 

ATM Fee Refunds nationwide!*

No minimum balance!

Simply meet these 3 easy qualifications** to earn the Reward Rates and ATM Fee Refunds

  1. Have at least 10 debit card purchases post and clear each monthly qualification cycle.
  2. Receive your monthly statements electronically.
  3. Have 1 direct deposit or electronic payment post and clear each monthly qualification cycle.
 

Frequently asked questions about Interest Plus Checking

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 * ATM Fee Refunds up to $25.00 per cycle when all qualifications are met. ATM Fee Refunds are automatically paid on the last day of your monthly statement cycle. International ATM fees are not refunded.

** To earn the Reward Rates and ATM fee refunds, all qualifications must be met in the qualification cycle. The “qualification cycle” is the same as your statement cycle: a period beginning the business day following the third Wednesday of each month through the third Wednesday of the next month. Your 10 debit card purchases must post and clear in the monthly qualification cycle. You must be enrolled in our e-Banking service and authorize the Bank to deliver your monthly statements electronically to qualify. If you do not log into your e-Banking account for six months, you will be automatically un-enrolled from e-Banking, and e-Statements will expire. A $5.00 monthly service charge for paper statements will be charged each month you do not receive your account statement electronically. As long as you are currently enrolled when your statement cycles, you will not receive a monthly service charge for that month. You must have at least one direct deposit or one electronic payment post and clear your account each monthly qualification cycle.

***APY – Annual Percentage Yields are accurate as of 05/01/13. Minimum deposit to open account is $25. Reward Rate tiers are as follows when qualifications are met: if your daily balance is $25,000.00 or less, the interest paid on the entire balance will be 1.49% with an annual percentage yield of 1.50%. An interest rate of .30% will be paid on the portion of your daily balance that is greater than $25,000, and the annual percentage yield for your entire balance will range from 1.50% to .30% depending on the balance in your account. The Base Rate of 0.05% APY will be earned on all balances if qualifications are not met. Rates may change at any time, and may change after the account is opened. Fees may reduce earnings. Available for personal accounts only. Certain restrictions may apply, please contact a Customer Service Representative at 860-435-9801.

Please see our separate Fee Schedule for other fees that may apply to this account.


 

Personal Checking
simple, low fee checking

  • No minimum balance
  • Unlimited check writing
  • No monthly service charge when you enroll in e-Statements1

1.You must be enrolled in our e-Banking service and authorize the Bank to deliver your monthly statements electronically. As long as you are currently enrolled in e-Statements when your statement cycles, you will not receive a monthly service charge for that month. If you do not log in to e-Banking for six (6) months, you will automatically be un-enrolled from e-Banking and e-Statements will expire. A $5.00 monthly service charge for paper statements will be charged each month you do not receive your account statement electronically. Check images will be included in your monthly statement.

Available for personal accounts only. Certain restrictions may apply, please contact a Customer Service Representative at 860-435-9801.

Please see our separate Fee Schedule for other fees that may apply to this account.


 

 

Relationship Checking
your relationship matters to us

  • Competitive interest rate on checking balance
  • Unlimited transactions
  • FREE My Finance: Online Financial Management Tool (upon request).
  • FREE Identity Fraud Expense Reimbursement Insurance (up to $25,000 per event) Underwritten by Travelers Casualty and Surety Company of America, Hartford, CT 06183
  • FREE check printing for special Relationship checks
  • No Salisbury Bank fees at ATMs. (Other bank's fee may apply)
  • FREE money orders and official checks
  • Special linked Relationship Savings Account
  • No monthly service charge with an aggregated minimum daily balances of $15,000 in any linked Checking, Savings, Premier Money Market Account or Certificate of Deposit, including IRA's.1

1.You must maintain an aggregate minimum daily balance of $15,000 in any linked Checking, Savings, Premier Money Market Account or Certificate of Deposit including IRA's to avoid the $15 monthly service charge. Your linked account(s) must have the same signers.

Available for personal accounts only. Certain restrictions may apply, please contact a Customer Service Representative at 860-435-9801. Please see our separate Fee Schedule for other fees that may apply to this account.


 

Checking with Interest
designed to give you value, convenience and earn interest

Avoid the $5.00 monthly service charge:

  • When you maintain $1,000 minimum daily balance, or
  • When you maintain $5,000 in combined balances1, or

Receive credits up to the amount of your monthly service charge (credits will not exceed your monthly service charge):

-$1.00 credit for having a direct deposit post during your statement cycle2
-$2.00 credit when four debit card purchases post and clear during your statement cycle3
-$2.00 credit for e-Statements4
  • Competitive interest rate on checking balance
  • Unlimited transactions
  • FREE Identity Fraud Expense Reimbursement Insurance (up to $25,000 per event) Underwritten by Travelers Casualty and Surety Company of America, Hartford, CT 06183

1.You must maintain an aggregate minimum daily balance of $5,000 in any linked Checking, Savings, or Premier Money Market account. Your linked account(s) must have the same signers.
2.Maximum credit per statement cycle is $1
3.Maximum credit per statement cycle is $2
4.Maximum credit per statement cycle is $2. You must be enrolled in our e-Banking service and authorize the Bank to deliver your monthly statements electronically. As long as you are currently enrolled in e-Statements when your statement cycles, you will receive a credit for that month. If you do not log in to e-Banking for six (6) months, you will automatically be un-enrolled from e-Banking and e-Statements will expire. Check images will be included in your monthly statement.

Available for personal accounts only. Certain restrictions may apply, please contact a Customer Service Representative at 860-435-9801. Please see our separate Fee Schedule for other fees that may apply to this account.