• 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*$10NoneNone
     

    Smart Checking

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

    None $10NoneNone
     

    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$10None$5
     

    First Checking

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

    0.05%APY*$10NoneNone
     

    *The annual percentage yield (APY) is accurate as of March 2, 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 DepositEarnings Credit AllowedGet Started

    Basic Business Checking Account

    No monthly maintenance fees and no minimum balance requirement. 

    Learn more>

    $0150 free then $.60 each$0$0No Get Started

    Corporate Checking Account

    Open a Massachusetts business bank corporate checking account

    Learn More>

     

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

    Smart DBA

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

    Learn More>

    $0$0$0$0No Get Started

    Business Money Market

    High Interest rate and FDIC and DIF insured

    Learn More>

    $5

    $0$0$0No 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 month0.40%0.55%
    24 month0.70%0.85%
    48 month1.31%1.46%
    *APY - Annual Percentage Yield

     

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

     

     

     Minimum Opening BalanceAPY*
    Money Market$1,0000.10% - 0.14%
    Smart Savings$10.05%
     
    eChecking$10

    1.06% 

    $.01-$25,000

     

    .05%    

    $25,000.01

    or greater

    *APY - Annual Percentage Yield

     

     

     RateAPR**
    Home Equity Line3.750%3.750%
    **APR - Annual Percentage Rate

     

     

    Model YearAPR**Maximum Term (Months)
    2014-20112.49%60
    20103.99%48
    20095.49%48
    20086.49%36
    2007 & older7.49%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

Credit Cards

 

Who says you have to give up personal service to get good rates on a credit card? With a credit card from Avidia Bank you can enjoy highly competitive rates with first class customer service.

 

Apply Now

 

All of our credit cards come with the following services:

 

Online Credit Card Management

With full online access to your Avidia Bank MasterCard information, you can:

  • Check balances
  • Check your account activity
  • See your available credit
  • Make a payment by transferring funds from any of your Avidia deposit accounts

To access these great credit card features sign up for Avidia Internet Banking. It's free, easy and convenient!

 

Avidia Rewards+ 

Earn rewards points with every purchase! Visit our Avidia Rewards+ page to learn more.

 

Overdraft Option

Avidia Bank customers can link their Avidia Bank MasterCard to their Avidia Checking account. In the event of an overdraft, a transfer will be made from your credit card to your checking account automatically.

To add the Overdraft Transfer option to your MasterCard account, please fill out the overdraft transfer form and mail to Avidia Bank or drop it off at any branch location.

 

Plus there are NO balance transfer fees or over-limit fees!

 

Apply Now

 

Compare Cards
 

Card Type*APR §Interest on PurchasesAnnual Fee
MasterCard Classic17.9%We will not charge you interest on purchases itemized on your monthly statement. $25
MasterCard Gold10.15%We will not charge you interest on purchases itemized on your monthly statement. None
MasterCard Platinum

3.9% Intro for 6 months, then 9.15%.

We will not charge you interest on purchases itemized on your monthly statement. None

* The type of MasterCard for which we approve you will be based on your creditworthiness and other factors.

† This rate will vary with the market based on the Prime Rate.

‡ If the balance on your entire account at the beginning of the billing cycle was zero or if the payments and credits received during the billing cycle equal or exceed that balance.
§ APR - Annual Percentage Rate

See our Interest Rates and Fees page for more information.

 

You can apply for an Avidia Bank Credit Card in one of three ways:

 

Apply Now

 

How we will calculate your balance - We use a method called "average daily balance (including new purchases)."

This page was produced October 10, 2014 and the above information was accurate as of that date. The information is subject to change at any time. You may call (800) 508-2265 for any changes to this information since the date of printing.

Please read our Terms and Conditions.  as well as the MasterCard Guide to Benefits for Credit Cardholders

The current Prime Rate is 3.25%. The Prime Rate used to determine your APR is the rate published in the "Money Rates" section of the Wall Street Journal on the first day of each month and will take effect on the first day of the following month.

 

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

 

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

 

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