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.

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 just talk to us in person or by phone! Let us guide you.

Secure Checking

Colonial Checking icon

The Colonial's Secure Checking Account 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 ID Protect - Identity Protection Service
    check FREE Cellular Telephone Protection
    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 ID Protect - Identity Protection Service
check FREE Cellular Telephone Protection
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!

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