Colonial Checking Accounts

NEW People-pleasing Checking options for everyone!

Check

Colonial Co-operative Bank provides several popular checking accounts to simplify your finances and meet your everyday banking needs. All accounts are designed in response to customer feedback - such as our NEW "Secure Checking" accounts that combine great financial services with Identity Theft Protection and more benefits.

Your deposits are 100% safe and secure. The FDIC insures each Colonial depositor to at least $250,000 and the SIF insures all additional deposits.

Learn more by clicking on each type of Colonial Checking account type below - or talk to us in-person or by phone! Let us guide you to the best choices for your finances and security.

Secure Checking

Colonial Checking icon

The Colonial's "Secure Checking" makes your money work for you. Super-safe, loaded with Perks plus the opportunity to earn interest on your funds without having to maintain high balances.

  • check FREE Internet Banking
    check FREE Colonial Online Bill Pay
    check FREE 24 Hour access to Colonial Free Bank-by-Phone for account information from any phone
    check FREE Visa ATM/Debit Card
    check FREE IDProtect® - Identity Protection Service1
    check FREE Cellular Telephone Protection2
    check FREE First order of Checks (limited to standard checks)
    check FREE Unlimited Transactions
    check Statements mailed or available electronically via Internet Banking

    $25 to open account and $25 to earn interest. No minimum balance. $4.95 monthly flat fee.
    Call or visit one of Colonial's service representatives for information on opening this great account today!

Advantage Secure Checking

Colonial Checking icon

There are great reasons why our customers are choosing Colonial’s "Advantage Secure Checking". The $1.00 Non-Proprietary ATM fee is waived. You earn more interest. You can receive up to $10.00 in ATM surcharge rebates! And the simple requirements to earn these rewards are things most people do anyway.

check FREE Internet Banking & BillPay
check NO CHARGE for Deposits
check FREE IDProtect® - Identity Protection Service1
check FREE Cellular Telephone Protection2
check FREE First Order of Basic Checks
check NO Per-Check Charges
check FREE Visa ATM/Debit Card
check $25 Balance Required to Open and Earn Interest. $4.95 monthly flat fee

Here’s all you need to do to qualify:

  • check Set up one Direct Deposit that occurs each cycle
  • check Use your Visa Debit Card 10 times each cycle as a signature-based transaction
  • check Receive your statements automatically through secure Colonial Internet Banking


If unable to meet requirements during the cycle, the account will still function as an interest-earning checking account with a base rate currently at .05% APY (Annual Percentage Yield). Rates are valid as of July 1, 2015. We may change the interest rate and APY at any time after the account is opened.

18/65 Checking

Colonial Checking icon

Customer’s 18 years of age or 65 years of age or older are eligible for a fantastic checking account that's free of monthly maintenance fees!  In addition, some fees may be waived or discounted for eligible customers. Ask us!

  • checkFREE Internet Banking
    checkFREE Online Colonial Bill Pay
    checkFREE 24 Hour access to Colonial Free Bank-by-Phone for account information from any phone
    checkFREE ATM/Visa Debit Card
    checkFREE Checks (limited to standard checks)
    checkFREE Unlimited Transactions
    checkStatements mailed or available electronically via Internet Banking

  • $25.00 to open account and $25 to earn interest.  No minimum balance.  Call or visit one of Colonial’s service representatives for information on opening your account today!

Community Checking

Colonial Checking icon

This account is for DBAs, Organizations, Boy Scouts & Girl Scouts and other Associations.

  • checkFREE Internet Banking
    checkFREE Online Colonial Bill Pay
    checkFREE 24 Hour access to Colonial Free Bank-by-Phone for account information from any phone
    checkFREE ATM/Visa Debit Card
    checkFREE Checks (limited to standard checks)
    checkFREE Unlimited Transactions
    checkStatements mailed or available electronically via Internet Banking

  • $25.00 to open account and $25 to earn interest.  No minimum balance.  Call or visit one of Colonial’s service representatives for information on opening your account today!

Basic Checking (non-interest bearing)

Colonial Checking icon

Colonial's Basic Checking keeps it simple! No minimum balance requirements and no monthly fees.

  • checkFREE Internet Banking
    checkFREE Online Colonial Bill Pay
    checkFREE 24-hour access to Colonial Free Bank-by-Phone for account information from any phone
    checkFREE ATM/Visa Debit Card
    checkFREE Checks (limited to standard checks)
    checkFREE Unlimited Transactions
    checkStatements mailed or available electronically via Internet Banking

  • $25.00 to open account and $25 to earn interest.  No minimum balance.  Call or visit one of Colonial’s service representatives for information on opening your account today!

1IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
2 Registration/activation required.
3Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG) The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
4Refer to Guide to Benefit for complete details of coverage.
5Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG) The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
The Federal Deposit Insurance Corporation (FDIC) insures each depositor to at least $250,000. The Share Insurance Fund (SIF) of The Co-operative Central Bank insures all deposits above these amounts. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

GET IN TOUCH

Give us a call or visit Colonial.

Colonial Co-operative Bank
6 City Hall Avenue
Gardner, MA 01440
Call 978-632-0171
Toll-Free: 1 877-258-1193

Colonial Co-operative Bank
1 School Square/Rte 12
Winchendon, MA 01475
Call 978-297-2447

Toll-Free: 1 877-258-1193

HELP & NOTICES

Lost or Stolen Card?
Please report it immediately to 1 800-528-2273.

IMPORTANT NOTICE ABOUT PHISHING!
Colonial Co-operative Bank will never ask you to verify your personal or account information via unsolicited email or telephone calls. When in doubt, don't share!

Gardner Main Office


Open Mon-Wed 8:30-4
Thur 8:30-6 | Fri 8:30-5
Saturdays 8:30-Noon

Winchendon Office


Open Mon-Wed 8:30-4
Thur 8:30-6 | Fri 8:30-5
Saturdays 8:30-Noon