• Personal Banking

    Personal Checking Comparison

    Account Options

    Interest Earned

    Opening Deposits

    Minimum Monthly Balance

    Monthly Transaction & Maintenance Fees

    Enroll Online

    eChecking

    eChecking is a great account that allows you to avoid ATM surcharges. Learn more >

    1.06% APY* $10 None None
     

    Smart Checking

    Smart Checking is a simple fee-free checking account.  Learn More>

    None  $10 None None
     

    Value NOW Checking

    Value NOW is our interest checking account with checking rewards. Learn More>

    0.05% APY* $10 $1,000 average daily balance $5^
     

    Access Checking

    For a low monthly fee, you have access to the AllPoint ATM Network .

    Learn More>

    None $10 None $5
     

    First Checking

    A checking account for teenagers ages 15-18 with debit card access. Learn More>

    0.05%APY* $10 None None
     

    *The annual percentage yield (APY) is accurate as of November 21, 2013. Fees may reduce earnings. Interest rate may vary after account opening.

    ^Should a Value NOW account fall below the minimum monthly balance, the fee is waived with a recurring monthly ACH or direct deposit.

     

    All of our checking accounts include these features and benefits:

    • Free debit cards with Avidia Rewards+**
    • No per check charges
    • Unlimited check writing
    • Unlimited free ATM usage at Avidia ATMs
    • Unlimited free debit card transactions

    ** You can use your Avidia ATM or debit card free at any Avidia ATM. Avidia charges $2.50 fee when you use another bank's ATM. Other banks may charge you a fee for using their ATM or having a debit card.

     

     

    Additional FREE Services Available With Any Checking Account

     

    FREE Debit Card with Avidia Rewards+**

     

    Avidia Bank debit cards allow 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 get cash back and earn rewards points virtually every time you use Avidia debit cards. 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. 

     

    Existing Avidia Checking Account customers can fill out the form found here to apply for FREE debit cards to access your Avidia Bank Checking account. 

     

    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.

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  • Business Banking

    Business Checking Comparison

    At Avidia Bank all business is personal and all of our business banking customers are important.

    We have a number of Business Banking products each created with specific business needs in mind. From small local businesses to large corporations you can find a checking account that is right for your business.

     

    All of our checking accounts include these features and benefits:

    • No POS or EFT transaction charges
    • Unlimited free ATM usage at Avidia ATMs
    • Free business debit card with Avidia Rewards+**
       

    ** You can use your Avidia ATM or debit card free at any Avidia ATM. Avidia charges $2.50 fee when you use another bank's ATM. Other banks may charge you a fee for using their ATM or having a debit card.

     

    Compare Business Checking Accounts
     

    Product

    Monthly Maintenance Fees

    Fee Per Check Written

    Fee Per Bulk Deposit

    Per Item with a Deposit Earnings Credit Allowed Get Started

    Basic Business Checking Account

    No monthly maintenance fees and no minimum balance requirement. 

    Learn more>

    $0 150 free then $.60 each $0 $0 No Get Started

    Corporate Checking Account

    Open a Massachusetts business bank corporate checking account

    Learn More>

     

    $10 $.15 $.60 $.09 Yes Get Started

    Smart DBA

    The Massachusetts business bank account with access to funds and a solid rate of return

    Learn More>

    $0 $0 $0 $0 No Get Started

    Business Money Market

    High Interest rate and FDIC and DIF insured

    Learn More>

    $5

    $0 $0 $0 No Get Started

     

    Important Information About Opening An 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.

    Stay
  • Rates
      CD APY* IRA APY*
    12 month 0.40% 0.55%
    24 month 0.70% 0.85%
    48 month 1.31% 1.46%
    *APY - Annual Percentage Yield

     

    To view current Mortgage Rates:
    Please click on the "Mortgage Rates" link to the left.
     
     

     

     

      Minimum Opening Balance APY*
    Money Market $1,000 0.10% - 0.14%
    Smart Savings $10 .05%
     
    eChecking $10

    1.06%(internet banking) 

    .30% - 1.10%

    *APY - Annual Percentage Yield

     

     

      Rate APR**
    Home Equity Line 3.750% 3.750%
    **APR - Annual Percentage Rate

     

     

    Model Year APR** Maximum Term (Months)
    2014-2011 2.49% 60
    2010 3.99% 48
    2009 5.49% 48
    2008 6.49% 36
    2007 & older 7.49% 36
    **APR - Annual Percentage Rate

     

    Rates

    Avidia tries to provide you the best possible rates and occasionally offers special promotions on deposit and/or loan products.

     

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  • Customer Resources
  • Locations

About Avidia Bank

 

Avidia Bank was officially formed in 2007 as a result of a merger between Hudson Savings Bank and Westborough Bank.  These two community banks both originated in 1869, so while Avidia began in 2007 its roots in the Central Massachusetts region run deep.

 

Avidia Bank is a $1 Billion mutual community bank headquartered in Hudson, MA with full-service branch offices in Hudson, Westborough, Clinton, Leominster, Marlborough, Northborough and Shrewsbury.  The Bank serves the financial needs of businesses, families and individuals in Central Massachusetts and beyond, through its branch network and its extensive investment in technology.  Customers from both inside and outside the region can bank with Avidia via computer or mobile device, taking advantage of the Bank’s state-of-the-art internet banking capabilities.   In addition, the Bank and the Avidia Charitable Foundation support the efforts of literally hundreds of different service organizations to help improve the quality of life for people throughout its market area.

 

Avidia Bank constantly seeks ways to improve its extensive line of financial services as well as enhancing the experience for customers.  The Bank’s goal is to make a difference, create opportunities and open doors for everyone who banks with them.  Contact Us by filling out the form below, or stop by your neighborhood branch to learn why so many businesses, families and individuals call Avidia Bank their financial partner.

 

Contact Us

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Please note:

When contacting us via E-mail please note that information sent by E-mail is at risk of loss of confidentiality if the information is transmitted over the Internet. We do not recommend sending confidential information such as account numbers or social security numbers by E-mail.

Premium Alerts

Did you know you can set up account alerts through Avidia's Internet Banking?

Introducing Business Online Payroll

Conduct all of your payroll tasks from your Business Express Internet Banking!

Health Savings Accounts

Time to start planning for your 2014 health care costs. If you qualify, an HSA could be the answer.