eChecking is free. Easy. Free. Convenient. And free.

  • Free and unlimited ATM transactions (withdrawals, account transfers, balance inquiries, etc.)
  • Reimbursement up to $10 per month for ATM fees charged by foreign ATM owners
  • Free Online Banking with unlimited Bill Pay
  • Free eStatements
  • Free CU Audio 24-hour telephone account access
  • A free first order of 50 checks
  • The opportunity to earn interest on your account balance
  • No minimum balance required
  • 24-hour Automated Teller Machine (ATM) access (member of the SUM Network) with MasterMoney™ Debit Card
  • Purchases are automatically deducted from your checking account and appear on your monthly statement
  • Direct Deposit, Online Banking, Bill Pay and eStatements are required to maintain an eChecking account

Checking Account Rates*

These Rates Accurate as of
Rate APY*
eChecking 0.10% 0.10%

*APY is Annual Percentage Yield. The rates quoted above are accurate as of the date indicated and are subject to change without notice. Dividends are compounded and credited monthly based on the average daily balance in your account. If your average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. Variable share deposit rate account rates may change after account is opened. Fees could reduce the earnings on any account.

Overdraft Protection

  • Available to members who have a checking account
  • Ensures that checks are paid regardless of account balance (up to the limit of your line of credit)
  • No overdraft transfer fee
  • Competitive interest rate
  • Loan approval required
  • Can be an automatic transfer of money from your main share account
  • Sweep Accounts and Overdraft Privilege also available - ask us for details

Check it out today. We invite you to fill out a Salem Seaport checking enrollment form online (, or print it out and bring it with you to our Lafayette Street office; it’s next to Salem State University. You can also come on in and we’ll take care of everything for you. Don’t worry if you have an account somewhere else; our Checking Account Switch Kit can make the transition smooth and easy.

As always, please don’t hesitate to contact us at 978.744.1153 or if you have any questions.