CHECKING

At Avidia Bank, we offer a variety of checking accounts, each designed to meet the needs of a particular type of customer, and each is available with a Avidia Visa Check Card.

To reorder checks online, click here.

The Most Account* is like a supercharged money market account, but it's actually a checking account, with a host of other benefits rolled in. The Most is a tiered-rate account that pays the highest qualifying rate on your entire balance (so you'll earn more than on "blended rate" accounts). Just open a MOST account and keep at least $7,500 in the account, and you'll get unrestricted checking, and a bunch of benefits that earn you more and cost you less:

• High, tiered interest rates
• Bonus interest rates on Certificates of Deposit
• Discounted rates on consumer loans
• No closing costs on Home Equity lines of credit
• Free ATM usage anywhere, anytime*
• Free Internet banking with Bill Express online bill payment
• Free bank checks
• No monthly maintenance fees with minimum balance
• No monthly maintenance fees for first 60 days regardless of balance
• Free Visa Check Card with Avidia Rewards**

For current rates on our Most Account (and our other deposit accounts), click here.

To open a MOST Account online, click the button below:

*Other banks may assess a surcharge to use their ATMs.

Smart Checking is the easy-to-use, easy-to-understand account that is free of transaction and service fees. All it takes to open your Smart Checking Account is $100. Smart Checking features:

• No minimum balance
• No per check charges
• No monthly service charges
• Unlimited check writing
• FREE first set of checks
• Unlimited free ATM usage at Avidia and SUM network ATMs
• Unlimited free VISA Check Card transactions
• Free Visa Check Card with Avidia Rewards**

You can use your Avidia ATM card or Visa Check Card without charge at any Avidia ATM, and at any ATM that is part of the SUM network. Avidia charges a $2.50 fee when you use an ATM that is not part of the SUM Network. Banks that are not part of the SUM network may charge you a fee for using their ATM.

To open a Smart Checking Account online, click the button below:

Existing Smart Checking customers: To download a printable form that lets you apply for a Visa Check Card to access your Smart Checking account, click here. (This form requires that you have Adobe Acrobat Reader, which you can download free by clicking here.)

Value NOW is our basic interest bearing checking account. You get unlimited check writing privileges, and the monthly maintenance fee of $5.00 is waived if you maintain an average monthly balance of $750. A minimum deposit of $750 is required to open this account. Interest is earned on balances of $.01 and higher.

To open a Value NOW Account online, click the button below:

Super NOW is a tiered interest rate account that offers higher interest to those who wish to maintain higher balances. You earn a "Super" interest rate on all balances above $2,000 in a Super NOW Account. (If your balance falls below $2,000, a monthly maintenance fee of $5.00 is assessed.)

Senior Checking If you are 65 years of age or older, you can take advantage of our Senior Checking Account. Senior Checking pays you interest, and there are no minimum balance requirements or monthly maintenance fees. Interest is earned on balances of $.01 and higher. Personalized checks (wallet style) are available at no charge. A minimum deposit of $350 is required to open this account, and you must fill out a special registration card to be eligible for Senior Checking. To learn about other products for seniors, click here.

To open a Senior Checking Account online, click the button below:

Additional FREE Services Available With Any Checking Account

**Visa Check Card with Avidia Rewards! Our Visa Check Card is a debit card that allows you to enjoy the convenience of a credit card, yet pay directly with funds from your checking account. No checks to write; no big credit card bills later on. Plus, with our Avidia Rewards program, you can earn rewards points virtually every time you use your Avidia Check Card. Better yet, if you have both a debit card and a credit card from Avidia, your rewards points go into a single Avidia Rewards account, so you can earn points faster while having the flexibility to use either your credit or debit card. You can use your reward points for travel, electronics, gifts, things for your home and much, much more. Click here for complete details.

If you already have an Avidia checking account and want to add a Visa Check Card to your existing checking account, click here to download an application form. (This form requires that you have Adobe Acrobat Reader, which you can download free by clicking here.)

Direct Deposit Direct Deposit is a free, fast, simple way to deposit money into your account(s) electronically. You can use it to deposit paychecks, Social Security checks, tax refunds, stock dividends and other kinds of checks directly into any account you wish. There are many benefits.

• Your money is available to you faster because your money is in your account ready to use the day the check is received.
• Your money is more secure, because your checks can't be lost or stolen.
• It is more convenient because it saves you the time and effort of making a trip to the bank or ATM.
• Direct Deposit qualifies you for some bank services that offer lower fees, or that pay higher rates.
• Direct Deposit is Free & Green!

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Financial Calculators

Our financial calculators give you fast answers to questions you have about your finances. Select one of the links below to get started, or select "Tools" from the menu at the top of any page.

Personal Financing Calculators

Investment Calculators