You're focused on the people of the Berkshires. We are, too.

Overcome your unique budgetary, tax collection, financing, and liquidity challenges with full-service Better Together banking solutions designed for local Berkshire towns and cities, utility authorities, school districts, and housing agencies. Let's work together to maximize cash flow, stability, and predictability.  

Municipal Checking

Municipal Investment Checking

Let us help you find the perfect municipal checking product for your needs.  Call (413) 447-7304 or visit a branch office today.

*Overdraft Protection

Safeguard yourself from returned checks, preserve your credit rating, and protect yourself against overdraft charges by selecting an optional Overdraft Protection services.

Savings Sweep

Automatically transfer funds from your statement savings account or line of credit to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. The usual overdraft charge is $30 charge for every check returned for insufficient funds.  Automatically transfer funds when you need it from a line of credit that is linked to your account. There is no transfer charge, although you pay interest for using the line of credit. The line of credit can be used as a reserve in the event of an overdraft, or as a borrowing account.

Courtesy Pay

Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $800 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.

**Automatic Cash Management Sweep

Maximize your income, earn higher interest rates, and maintain ready access to your cash, without investing extra time. We can automatically manage your cash. You set the amount of money you want to keep in your checking account each day. After your daily transactions are reconciled, any amount in excess of the amount you set is automatically transferred into a high-interest sweep account. If the reconciled amount is less than what you set, the funds you need are transferred to your commercial checking account.