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Personal Checking

Choose the checking account that’s best for you based on your anticipated minimum balance and personal banking needs. Features and requirements for each of our personal checking services are listed below. For assistance or to learn more, contact our branch team today. For your convenience, you may also open or change an account online 24/7 with our Online Concierge. See the links below.

Type of Account	What's In It For You	Account Requirements
Plus Checking Simply manage your cash and payments	Unlimited check writing Free online banking Free online bill pay Free ATM withdrawals at any of over 1,500 SUM^SM-participating network ATM machines in Massachusetts and even more accross the U.S. Free monthly electronic statement	No minimum balance No monthly maintenance fee
Premier Checking Greater control for managing your cash and payments	All of the Above Plus Free first box of First Commons Bank signature checks Free monthly electronic or paper statement	No monthly maintenance fee with a combined relationship balance of $5,000 or greater; $15/month otherwise
Platinum Checking With or Without Interest A convenient money management system See today’s rates	All of the Above Plus Free reorders of First Commons Bank Signature checks Free money orders and official checks Reduced wire transfer fee Discounted safe deposit box rates (subject to availability)	No monthly maintenance fee with a combined relationship balance of $20,000 or greater; $20/month otherwise

Type of Account

What's In It For You

Account Requirements

Plus Checking

Simply manage your cash and payments

Unlimited check writing
Free online banking
Free online bill pay
Free ATM withdrawals at any of over 1,500 SUM^SM-participating network ATM machines in Massachusetts and even more accross the U.S.
Free monthly electronic statement

No minimum balance
No monthly maintenance fee

Premier Checking

Greater control for managing your cash and payments

All of the Above Plus

Free first box of First Commons Bank signature checks
Free monthly electronic or paper statement

No monthly maintenance fee with a combined relationship balance of $5,000 or greater; $15/month otherwise

Platinum Checking With or Without Interest

A convenient money management system

See today’s rates

All of the Above Plus

Free reorders of First Commons Bank Signature checks
Free money orders and official checks
Reduced wire transfer fee
Discounted safe deposit box rates (subject to availability)

No monthly maintenance fee with a combined relationship balance of $20,000 or greater; $20/month otherwise

FDIC Transaction Account Guarantee

First Commons Bank N.A. is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2011, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.

Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.