Scituate Free Personal Checking Account MA & High Interest Checking Accounts
Scituate Massachusetts Bank

Checking Account Products

Free Checking Account

Consumer Checking Accounts

Scituate Federal offers a comprehensive selection of personal checking accounts, each tailored to meet your specific priorities and needs. If you are looking for a simple account, you can apply for our free checking accounts. If you want to make your money grow, while still getting the advantages of a checking account, consider our high interest checking. We offer online checking with all of our accounts because convenience is important. It gives you the convenience to track your transactions, easily pay bills and analyze your spending. If you want to talk to us in person, you'll get friendly, personal service. You can see all of our personal checking options, below:

Performance Checking
Performance Checking
All the flexibility of a checking account, with a high rate of return.

Performance Checking Account

Earn interest and have unlimited ATM access!*

A Great Interest Checking Account that pays you interest on balances up to $25,000.00!

Earn 1.75% APY on balances up to $25,000.00* and have unlimited ATM access if the following requirements are met:

  • One Direct Deposit (ACH transfer) into the account per month and,
  • 12 debit card (non-PIN) transactions per month

Other features include:

  • $25 to open an interest checking account
  • Balances over $25,000.00 earn 0.10% APY.
  • No minimum balances
  • No monthly maintenance fees
  • No per check charge
  • Free ATM card
  • Free Online Checking Account
  • You'll receive an easy to understand monthly statement.

*The Performance Checking Account is a variable rate checking account based upon qualification factors and variable balances.

1.75% Annual Percentage Yield (APY) as of January 9, 2013 is paid on balances up to $25,000.00, and 0.10% APY paid on amounts above $25,000.00 per statement cycle if the requirements are met. If you do not meet the requirements per statement cycle, you will receive a rate of 0.10% APY on entire balance.

To qualify for the higher rates, customers must perform the following activities during the qualification cycle: 12 debit card (point of sale, non-PIN) transactions must post, and at least one direct deposit or automated clearing house (ACH) transfer.

Qualification cycle means the period beginning the first day of customer’s enrollment in the Performance Checking Account or two days prior to the previous deposit statement cycle through three days prior to the next statement cycle. Interest rate and APY are subject to change after account is opened.

Fees may reduce the earnings on the account. Rates may change at any time without prior notice.

Available for personal accounts only. One account per person.

Freedom Checking Account

Checking fees at your bank getting you down? Freedom checking is the perfect solution!

  • $25 to open account
  • No minimum balances
  • No monthly maintenance fees
  • No per check charge
  • Free ATM card
  • Free Online Checking Account
  • You'll receive an easy to understand monthly statement.

A Real Free Checking Account at its best!
Open a Freedom Checking Account today!

Ultimate Access Checking Account

Ultimate Access Checking gives you all the benefits of a superior checking account and ultimate access to your money.

Ultimate Access Checking is convenient.

  • Free Online Checking Account
  • Free Online Bill Payment.
  • Enjoy FREE ATM usage at all Scituate Federal ATMs, along with unlimited access to your funds at all NYCE and Plus ATMs*
  • Only $25 initial deposit to open the account
  • No per check charges.
  • Your first 50 checks are FREE; if you have your paycheck directly deposited, all subsequent personalized checks are also FREE.
  • FREE ATM card.
  • View check images Online.
  • You'll receive an easy to understand monthly statement.

$15 monthly maintenance fee if combined minimum daily balance in all deposit accounts is less than $5,000.

Take advantage of Ultimate Access Checking from Scituate Federal Savings Bank.
It's easy and convenient!


Online Banking & Bill Payment Applications






A secure, fast, convenient, and environmentally friendly way to receive your monthly bank statements and notices.

You can now choose to receive your Scituate Federal Saving Bank checking, savings or money market account statements and notices electronically, rather than in the traditional paper format! Enrolling in E-Statements is easy but you must be an Online Banking customer with a current ID and password to sign up. If you currently use Online Banking, simply log into Online Banking, click on the E-Statement tab, and enroll your accounts. Whenever a statement or notice is produced, you’ll receive a courtesy email letting you know that your document is ready and available for viewing. It will contain a direct link to your statement or notice. It’s that simple! If you have not already enrolled for Online Banking, please visit and enroll today—it is secure, efficient and free!

Enroll in Scituate Federal Savings Online Banking & E-Statements by clicking here


Checking Account Switch Kit

Moving your checking account to Scituate Federal Savings Bank is a breeze with our Switch Kit. Please download additional information below.

  1. Switch Kit


Overdraft Privilege

Each Scituate Federal Savings Bank personal checking account may be eligible for Overdraft Privilege. If you write a check, make an in-person withdrawal, perform a debit card transaction, or a transaction by other electronic means from your checking account that exceeds your actual balance, we may cover your overdraft(s) up to $500.00 including overdraft fees. No more bounced checks! You will need to bring your checking account back to a positive balance within 30 days from the time you first overdraw your account and you can then use your Overdraft Privilege the very next day!

Each time you overdraw your account and we cover your check or withdrawal, we'll charge our customary Overdraft fee, currently $27.00. But that's all you will pay. No late fees. No interest. And no more returned checks and fees from merchants!

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, or you are not making regular deposits, or you have too many overdrafts.

Overdraft Privilege.

It's convenient. It's simple. And, best of all, it's there when you need it.

Some restrictions may apply.

Call us at 781-545-0016 for more information

Check Reordering

Click here to order checks from Clarke American Reorder Express.

* Other institutions may charge for the use of their ATMs

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72 Front St., Scituate MA 02066    781-545-0016    24 Hour Telephone Banking Center 1-800-461-8280   Member FDICSUMEqual Housing Lender