Checking Accounts - Limited Time Offer

When you open a checking account at Eastern Bank, you’ll have three straightforward and affordable choices with the features and services that meet your needs.

Daughter and mom at beach

Our Eastern Free Checking Account is a popular option for those who want a truly free checking account.

Apply today and enjoy:

  • No monthly fees

  • No monthly balance requirement

  • Access to thousands of Free SUM® ATMs1

  • For a limited time, receive $100* when you open a checking account and meet eligibility requirements**

**Incentive only valid for customers who received the offer via mail or email.  Direct deposit is required. Other requirements also apply.  Please see below for details.




Or, call 1-800-EASTERN to contact us directly.


See Which Checking Account Is Right For You

Eastern Free Checking

The Eastern Free Checking Account is a great option for those that want an account that has no monthly fees* or minimum balance requirements. 

eZ Checking

Eastern’s eZ Checking Account is perfect for people that are always on the go. As an eZ Checking customer, you’ll have even more free ATM options with no Eastern fee and reimbursement of up to $10 on other bank ATM surcharges.

Premier Checking

Our Premier Checking Account offers a wide range of exclusive benefits like no monthly fees and no account fees including overdraft, stop payment and more.

Get started today with an Eastern Checking Account

Get Started

See A Comparison of Accounts
Take a Closer Look

Eastern Free Checking

eZ Checking

Premier Checking


Apply Online

Apply Online

Apply Online

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, giving you access to other products and services at no charge.2

Account Requirements


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




Eastern Bank ATMs1


SUM® Program ATMs1,2








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®4

Eastern Bank Premium Debit MasterCard®4

Eastern Bank Premium Debit MasterCard®4

Interest Paid



View Rates

Cash Reserve Overdraft Protection




No Annual Fee

No Cash Advance Fee

Other Premier benefits N/A N/A

- No fees for overdrafts, wires and stop payments.

- No annual fee for home equity line of credit.5

- Insurance discounts through Eastern Insurance

And more


Account Guide

Account Guide

Account Guide


Download the PDF



See What Other Checking Services We Offer

Overdraft Protection

Take advantage of tools we offer to protect against overdraft fees.

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. MasterCard is a registered trademark of MasterCard International.

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

* Incentive is only valid for customers who received the offer via mail or email. Minimum of $25 to open an Eastern Free Checking account, $50 to open an Eastern Bank eZ Checking, or $500 to open an Eastern Premier Checking Account. To receive the $100 cash incentive, customer must open an Eastern Bank consumer checking account between 2/16/18 and 3/31/18, and receive a recurring payroll, pension, or government direct deposit of $100 or more per direct deposit, posted to the new account by 6/30/18. This offer is valid for new consumer checking account customers only. Customer must not have had an Eastern Bank consumer checking account since 2/15/17 to qualify. The following criteria must be met as of 7/10/18: (a) Customer must reside in MA, NH, ME, or RI only. (b) Customer must be age 18 or older. (c) Account must be open and have a positive balance. Incentives for qualified accounts will be deposited into customer’s account by 7/20/18 if the account is open and in good standing. Offer is non- transferrable. Only one incentive per household. Customers will receive a 1099 form for this incentive. Please consult your tax advisor regarding the tax implications of this offer. Other qualifications and restrictions may apply.