• 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 February 1, 2015. 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.

    #Online account opening available to Massachusetts residents only.

     

    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 or any ATM that displays the AllPoint Logo. 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% 

    $.01-$25,000

     

    .05%    

    $25,000.01

    or greater

    *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 Avidia Mobile? 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, please do not hesitate to contact us a 800-508-2265 (24/7)

 

What is Avidia Mobile?

Avidia Mobile is an easy way to access your Avidia Bank accounts from anywhere, at any time, using your mobile phone.

Avidia Mobile can be used to:

  • View your account balances and activity
  • Search cleared transactions
  • View check images 
  • Transfer money between accounts
  • Pay bills
  • Deposit checks.
  • Pay individuals through People Pay

 

What accounts can I access?

You can access information from any Avidia Bank account that you own and can view through your Internet Banking account. (Internet Banking is needed to access Avidia Mobile.)

 

Should I have a certain mobile carrier or phone?

Avidia Mobile can be downloaded to your phone as an app or accessed with a mobile internet connection through your web browser. You do not need to worry about carrier or model limitations.

 

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 or download from App Store or Google Play
  • No storage of personal or sensitive information such as account numbers or passcodes
  • Avidia Mobile 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?

Avidia Mobile is free although 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.

 

How do I get started?

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

1) Download Avidia Mobile from either the App Store or Google Play

2) If you do not have a smartphone, you can access Avidia Mobile through your phone's web browser following the instructions below:

  • Login to Internet Banking
  • In the Financial Center, follow the steps to activate your phone through the Mobile Banking Center
  • Once your phone is activated, you will receive a text message with the web link to Avidia Mobile* (web link is mc.avidiabank.com which is only accessible through a mobile phone web browser) Please bookmark this page on your phone for easy, future access.
 

How do I access Avidia Mobile on my phone?

Once you have downloaded the app or opened Avidia Mobile in your web browser you can now access Avidia Mobile. Log in using your Internet Banking username and password. The first time you use Avidia Mobile, you will be asked a series of questions to verify your identity. Once you are in, you can now perform all the functions available to you! (Please note that you need to enroll in bill pay through Internet Banking to enable this function.)

 

Can two account holders access the same account via Avidia Mobile?

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?

Absolutely no personal or sensitive banking information is stored on your phone. Please keep your login information secure. We also recommend that you report the loss of a phone to your mobile carrier and stop service immediately.

 

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 you need to get a new phone, download the app again. You will need to verify your identity after you input your username and password.

 

 

Avidia's SBA Lending Solution

Avidia is the #1 Community Bank SBA Lender for total SBA 7(A) dollar volume during 2014.*

Welcome to Allpoint

The Allpoint ATM Network provides our debit card customers access to over 55,000 surcharge-free ATMs worldwide.

Premium Alerts

We offer a wide variety of alerts that you can customize to stay on top of account activity and possibly prevent fraud.