Eastern Free Checking

Limited Time Offer: Get up to $600 when you open an Eastern Free Checking account by October 23, 2023 and qualify*

$600 with qualifying direct deposits totaling $15,000 or more or $350 with qualifying direct deposits totaling $4,000-$14,999.99 or $200 with qualifying direct deposits totaling $1,000-$3,999.99
  • $25 opening deposit*.
  • No monthly fees.1 No minimum balance.
  • Free access to thousands of SUM® ATMs.
  • Bank anywhere, anytime with Eastern Mobile and Online Banking.® Use Zelle® to send money easily and quickly to friends and family.
  • Free Eastern Bank Debit MasterCard® to make convenient purchases at millions of locations worldwide.

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*A minimum opening deposit of $25 is required for Eastern Free Checking, $50 for Eastern eZ Checking or $500 for an Eastern Premier Checking account. To qualify for the incentive, you must open an Eastern Bank personal checking account between 09/16/2023 and 10/23/2023, and have two or more payroll, pension or government direct deposits totaling the amounts noted in the table below post to your new checking account within the first 90 calendar days of the account opening date. Electronic credits other than payroll, pension, or government benefits, such as person-to-person payments, transfers between your accounts at Eastern Bank and other institutions or brokerages, and payments through third parties such as PayPal or eBay do not qualify as a direct deposit. Incentive amount will vary. See the table below for details.

The amount of the incentive paid will be based on two or more qualifying direct deposits, totaling the amounts listed below, posted to your account within the first 90 calendar days of the account opening date:

Cumulative direct
deposit amount:


will be:







$15,000 or more



This offer is valid for new consumer checking account customers only. New customers are primary signers who have not had a consumer checking account with Eastern Bank since September 16, 2022. The account must also meet the following requirements 90 calendar days after the account open date to receive an incentive (if the 90th calendar day falls on a non-business day, the requirements must be met on the following business day) : (a) Primary signer must reside in MA, NH, ME or RI; (b) Primary signer must be age 18 or older; (c) Account must be open and have a positive available balance. Incentives for qualified accounts will be deposited into customer’s account within 30 calendar days after confirmation that the account has met all the requirements. No incentive will be paid if the account is closed or does not have a positive available balance. The Bank may, at its discretion, pay the incentive earlier if all the qualifying requirements have been met. Only one incentive per customer and one incentive per household as defined by a common address. Customer 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.

1Other fees may apply. Depositors who are under age 19 or who are age 65 or over are eligible for an account for which most of the fees will be reduced or eliminated. See the Personal Deposit Account Fee Disclosure and the Personal Deposit Account Agreement for details. 

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

Mastercard is a registered trademark of Mastercard International Incorporated.

Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and used herein under license. Must have a bank account in the U.S. to use Zelle.