Compare Accounts

We understand that choosing the right checking account is an important decision. That's why we've designed each of our accounts with you in mind. At Charles River Bank, we've combined, value, convenience, and a high level of personal service, to provide you with a choice of checking accounts and services that are among the best in the area.

Checking Account Options

PremierChoice PlusChoice
Account Structure
Minimum Daily Balance$25,000 Total Combined Deposit Balances or Total Combined Loan Balances $5,000 Combined Deposit Balance or $1,000 Minimum Daily Balance NONE
Monthly Maintenance Fee$15 plus .25 per check if below Minimum Daily Balance$7.50 plus .25 per check if below Minimum Daily BalanceFREE
Earns InterestYESYESNO
Minimum to Earn Interest$10$500
Minimum Opening Deposit $100$100$100
24-Hours Access
ATM Non-Proprietary1FREE10 FREE per statement cycle then $1 each10 FREE per statement cycle then $1 each
Debit MasterCard® PurchasesFREEFREEFREE
Click24 Online BankingFREEFREEFREE
Click24 Bill PayerFREEFREEFREE
Additional Benefits
Co-op Club Trips and Special EventsPremier Discount PricingStandard PricingStandard Pricing
Co-op Club NewsletterFREEFREEFREE
Special CD OffersYESNONO
Loan Discount on Fixed Rate Consumer Loans1/2% with Autopay1/2% with Autopay1/2% with Autopay
Discount on Mortgage Loan Closing Costs$100$100
1st Order of Checks2FREEFREEFREE
Money OrdersFee FREE
Treasurers ChecksFee FREE
Travelers ChecksFee FREE

(checks for one)

Safe Deposit Discount25% for the 1st Year
Exclusive Coupon OffersYES

1. Other financial institutions may impose an ATM usage surcharge. Use ATMs that display the SUM Network logo for surcharge free use.

2. Wallet style DB, DG, DY, GS or equivalent value.

Reorder Checks

Overdraft Privilege Service

Rather than automatically returning unpaid any insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts. You can benefit by this by avoiding high charges from merchants while giving you more flexibility in managing your funds. This is not a line of credit.

Deposit to Deposit Overdraft

Simply set up your accounts to have funds transferred from one account to another within our bank and avoid high overdraft fees.

Overdraft Line of Credit

  • Minimum line of credit is $500
  • Maximum line of credit is $1,500
  • Overdraft summary included in your monthly checking account statement
  • Minimum monthly payment based on your outstanding balance and current interest rate
  • Choose to have minimum payment automatically deducted from your checking account or make your own payment each month