Better Together ℠
Municipal Checking

View Rates

 

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.

Municipal Checking Accounts


Whether you are starting out or need efficient high volume processing, we offer the municipal checking accounts and supporting services designed to meet your needs.

ProductBetter Together
Small Municipal Checking
Better Together
Large Municipal Checking
Best for

Municipalities that have fewer than 350 transactions per month and maintain a low balance

Municipalities that have a moderate or high monthly transaction volume and maintain a high balance

Minimum To Open

$0

$100

Monthly Service Charge

$0

$0.50

Transactions Included 300 free checking transactions, including checks paid, deposits, deposited items, ACH credits/debits, and transfers 40 free checks paid
and
20 free deposits
and
100 free bulk items (deposited items)
Fee For Each Additional Transaction $0.35 $0.25 per check paid
$0.65 each deposit
$0.10 each bulk item
Earnings Credit Can Reduce or Eliminate Monthly Service Charge and Transaction Fees No

Yes

Credit is earned for every $100 that the average collected balance is over $1500. The earnings credit rate is adjustable.

Sweep Available Overdraft Protection*
Courtesy Pay
Sweep at any dollar amount**
Earns Interest No Use the Sweep** for Automatic Cash Management (Maximize Interest).

Anywhere Together

Online Banking
Mobile Banking For iOS And Android
Telephone Banking 
Text Banking
Mobile Check Deposit
Debit Card Available
Thousands of Free SUM ATMs
E-statements
Online Banking
Mobile Banking For iOS And Android 
Telephone Banking
Text Banking
Mobile Check Deposit
Thousands of Free SUM ATMs
E-statements

Safe and Secure Together

FDIC Insurance
DIF Insurance (full balance insurance, above what FDIC pays)
Fraud Monitoring
FDIC Insurance
DIF Insurance (full balance insurance, above what FDIC pays)
Fraud Monitoring

Rates

 Download Rates

 Download Rates

*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. 

Open a Municipal Checking Account Today

Real People. Real Service.
Banking Is Better Together.

 

Municipal Investment Checking


For those who keep a $100,000 minimum balance in a checking account, Municipal Investment Checking provides a high rate of interest on the amount over $100,000.



ProductBetter Together
Municipal Investment Checking
Minimum To Open

$100

Interest On Amounts Over $100,00

Yes

Interest On The First $100,000

None

 

Open A Municipal Investment Checking Account Today

Real People. Real Service.
Banking Is Better Together.

 
Find UsLocation & Hours Talkto a real person Email Us Spanish Language Icon Banca Bilingüeen español
Toolbar Button

Why Bank with Us?

Our History

Contact Us

Locations & Hours

Career Opportunities

Press Releases

Financial Results

Corporate Governance

Next Section

Back to Top