Checking Accounts

Free is Good.

Eastern Bank Employee and Customer

Apply for an Eastern Free Checking Account today and enjoy:

  • No monthly fees* or minimum balances

  • Enhanced mobile and online banking

  • Access to thousands of Free SUM® ATMs1








Ready to get started? Have your email address, social security number, driver's license or other government-issued photo ID handy along with your existing bank account information.


Apply Now for Eastern Free Checking 

Visit a branch near you

Or, call 1-800-EASTERN (327-8376) to contact us directly.



See Which Eastern Checking Account Is Right For You

Eastern Free Checking

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Eastern eZ Checking

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Eastern Premier Checking

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Best if you...
Want an account with no monthly fees* or minimum balance requirement. Actively use your debit card and want the freedom to use other banks’ ATMs at no charge. Have combined balances of $25,000 or more and want to take advantage of our benefits including no monthly fees, no account fees and discounts on other products and services.2
Account Requirements
No monthly fee or minimum balance requirement*.

To Waive the $10 Monthly Fee:

Get e-statements and make 15 debit card purchases OR get e-statements and maintain a $1,500 average monthly balance.3

Maintain $25,000 combined monthly balance among designated accounts.2
                        Minimum opening deposit: $25
                      Minimum opening deposit: $50
                      Minimum opening deposit: $500

ATM Access: Eastern Bank and SUM® Program ATMs1

ATMs within the SUM® Program allow you make surcharge free withdrawals. 

Click here to locate a SUM® Program ATM

Free Free Free
ATM Access: Non SUM®  Program ATMs1

Eastern Bank fee applies.

Other bank ATM surcharge may also apply.

No Eastern Bank fee.

Other bank ATM surcharges will be reimbursed up to $10 per month.

No Eastern Bank fee.

Full reimbursement of other bank ATM surcharges.

Debit Card
Eastern Bank Debit MasterCard ® Eastern Bank Premium Debit MasterCard® Eastern Bank Premium Debit MasterCard®
Cash Reserve Overdraft Protection
Available4 Available4


No Annual Fee

No Cash Advance Fee

Other Premier Benefits

- No fees for overdrafts, wires and stop payments.

- No annual fee for home equity line of credit.4

- Insurance discounts through Eastern Insurance.

Learn More
Free Checking eZ Checking

Premier Checking

With Eastern Bank, you're banking with a mutual bank that donates on average 10% of its net income to over 1600 local charities in New England. 

Learn more about us

*Other fees may apply please consult the Personal Deposit Fee Schedule for more information.

1. SUM Program ATMs are designated with the SUM logo on the exterior of the ATM. SUM is a trademark of the NYCE Payments Network, LLC.

2. The combined balance is required for Premier Checking. There is no monthly fee, but the account will be changed to Free Checking if the combined balance requirement is not met. The combined balance includes balances in checking, savings, money market accounts, CD’s, IRA’s and consumer loans (excluding mortgages).

3. PIN or signature purchases only. ATM transactions excluded.

4. Cash Reserve and home equity lines of credit are available for qualified applicants.

MasterCard is a registered trademark of MasterCard International.