• 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.

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  • 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

Mobile FAQs

Need Help with Mobile Banking? You’ve come to the right place.

 

If you have questions we have answers. We’ll start out with the most frequently asked mobile banking questions. If you have a more advanced problem, not to worry, we will guide you to the right place.

What is Mobile Banking?

Avidia Bank's Mobile Banking is an easy way to access eligible Avidia Bank accounts from anywhere, at any time, using your mobile phone. Our Mobile Banking App can be used to view your account balances and activity, transfer money between accounts or pay bills or you can access this information on your mobile browser.

What accounts can I access?

You can access information from any Avidia Bank checking, savings or money market accounts linked to an active debit or ATM card.

Should I have a certain mobile carrier or phone?

The short answer is no. Our Mobile Banking App can be downloaded to the phone or accessed with a mobile Internet connection so you do not need to worry about carrier or model limitations. Also you can text us to receive your balance regardless of what carrier or phone you have.

Is Mobile Banking secure?

Yes. Developed with some of the foremost banking security companies in the world, Avidia Bank's Mobile Banking product keeps your personal information safe and secure in the following ways:

  • Secure online registration
  • No storage of personal or sensitive information such as account numbers or passcodes
  • A unique App passcode is required so you never need to use your PIN number
  • Our Mobile Banking App uses multiple levels of encryption to protect your personal data
  • The App identifies your phone each time you conduct a mobile transaction

How much does it cost?

Good news: all of Avidia Bank's Mobile Banking products are completely free! Your mobile phone carrier may charge a fee for data access or text messages. Be sure to check with your mobile carrier about any charges you may receive.

Does the service work on my iPhone*?

Yes, Avidia Bank has a Mobile Banking App specifically for the iPhone*.  Download it here.

How do I get started?

There are two easy ways to register for Avidia Bank’s Mobile Banking:

1) Visit our Mobile Banking secure registration web site

2) Text the word "Start" to 42265 on your mobile phone

How does Website registration work?

Website registration is a quick and simple process that requires you to provide identifying information and account details using a Web-based form. The site will guide you through the entire process of registering your phone and setting up your services. Register now.

How does mobile phone registration work?

To get started all you need to do is send a text message and you will be guided through the process. To register now, text the word "Start" to 42265.

Does it take a long time to download the App?

Once you begin the download it will take approximately 60 seconds to establish a secure connection. If your mobile phone fails to complete the security process successfully, then you will need to delete the App from your phone and download it again.

How do I answer the question "Use Data Network?"

If you are downloading the application some carriers, such as AT&T, will ask this question. Select "Yes, Ask Once" to only be asked this question once during each mobile banking session.

How do I access Avidia Bank's Mobile Banking App on my phone?

Once you have downloaded the App, you can open it by selecting it from your mobile phone's application or games menu. If you are accessing our App from your mobile Web browser, you should have received a link during the registration process. If you did not bookmark this link, you should be able to find it in your browser history menu.

How do I review my account balance?

The easiest way to review your account balance on your phone is to text the word BAL to 42265. Or, you can use our App to access your balance information.

How do I review past transactions performed on my mobile phone?

To view past transactions, open the Mobile Banking App and select "History." Your latest inquiries or transactions performed on your mobile phone are stored here for future reference.

How do I transfer money between accounts?

To transfer money, open Avidia Bank's Mobile Banking App and select "Transfer." Then, choose the account to transfer from, and then select the account to transfer to. Enter the amount to transfer, select "OK", review and confirm that the information is correct.

How do I make a bill payment?

To make a bill payment, open the Avidia Bank's Mobile Banking App and select "Bill Payments," then select "Make Payment." You will then see a list of your payees. Select the payee you wish to pay, enter the amount you want to pay, and the date you want to make the payment. Once you select continue, you will see a summary page. If all the information is correct, select "Make Payment." The payment has now been scheduled. You will be presented with a confirmation page that will contain your confirmation number.

Please Note: While our Mobile Banking service offers most of the features found in Avidia's Internet Banking, there are two limitations with the current Mobile Banking Bill Payment service. You may only make payments from your primary deposit account, and you cannot add or edit payees.

Can significant others access a joint account from two different mobile phones?

Yes. Two people can have access to the same joint account number via their individual mobile phones. Both people, however, need to select separate passcodes to access the App.

Will someone have access to my account if my phone is lost or stolen?

As long as your passcode to the App remains secure, you are protected from fraudulent use. If you only use our balance inquiry text message service, no personal or sensitive information is stored on your phone, and you are protected from fraudulent use. We recommend that you always report the loss of a phone to your mobile carrier and stop service.

Do I need to notify Avidia Bank if I lost my mobile phone?

No. You only need to report the loss to your mobile carrier and stop service to your phone. If your original phone number is retained after you receive a new phone, you will need to download our App again but your existing passcode will continue to work. If you are issued a new phone number, you will need to repeat the registration/activation process.

What should I do if I forget my App passcode?

For security purposes, if you forget your passcode or enter an incorrect passcode five consecutive times, you will need to request a new passcode by selecting the "Passcode Request" link from the "Help" screen. Resetting your passcode requires going through the activation process again.

 

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.