eChecking is an online checking account that pays you a high interest rate, gives you a FREE debit card and allows you to avoid ATM surcharges while you earn rewards points for your purchases.

eChecking Benefits:

  • 1.06% APY!*

  • FREE debit cards**

  • Foreign ATM transaction fees reimbursed

  • Other bank ATM surcharge fees reimbursed to you (up to $10 per statement cycle)

  • No maintenance fees

  • Interest paid on your collected balance (see eChecking rates below)

  • Full credit and access to our Avidia Rewards+ program

*Annual Percentage Yield

**You can use your Avidia ATM or debit card fee 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.


The following requirements must be met to receive the full benefits of eChecking:*


  • You must open your account online.

  • You must sign up for electronic monthly statements (eStatements)

  • Enroll in free Internet banking and sign in at least once a month

  • Use your debit card to make a purchase at least ten times per statement cycle

  • Have at least one recurring ACH transaction per month (such as direct deposit, automatic payment of a bill, etc.)

  • Maintain a monthly collected balance greater than $0 

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eChecking Minimum Opening Balance Interest Rate Annual Percentage Yield (APY) Minimum Balance* to obtain APY
10$ 1.05% 1.06% $.01-$25,000
10$ .05% .05% $25,000.01 or greater
*If you meet all the above requirements per statement cycle the higher interest rate will be paid on balances up to $25,000 and the lower interest rate will be paid on balances above $25,000. In the event all the above requirements are not met in a statement cycle, the bank will not refund foreign ATM fees, will not reimburse surcharge fees and the lower interest rate will be paid on all balances. The annual percentage yield (APY) is accurate as of current date. Interest rate may vary after account opening. Fees may reduce earnings.

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Online account opening available to Massachusetts residents only.


Additional FREE Services Available with eChecking

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. Plus, with our Avidia Rewards+ program, you can get cash back and earn rewards points virtually every time you use Avidia debit cards. If you have both a debit card and a credit card from Avidia, your rewards points are combined and go into a single Avidia Rewards+ account, so you earn points faster while having the flexibility to use either your credit or debit card. You can use your reward points for travel, merchandise & CASH BACK.

Direct Deposit

Direct Deposit is a free, fast, simple way to deposit money into your account(s) electronically. You can use it to deposit your pay, Social Security, tax refunds, stock dividends, directly into any account. Direct Deposit saves you the time and effort of making a trip to the bank and your money is available to you the day the check is received. Direct Deposit may also qualify you for some bank services that offer lower fees, or that pay higher rates.

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.