Free Checking

Our totally free checking account.

If you’re looking for a bank that offers totally free checking accounts, open a Blue Hills Bank Free Checking account online today. The account includes:

  • Free ATMs at thousands of SUM Program ATMs nationwide1
  • No Monthly Service Charge
  • No minimum balance requirement
  • $25 minimum opening deposit

Plus, you’ll also get access to these added conveniences:

For more information about opening a personal checking account, stop by your nearest branch, call 800.361.6903 or contact a Personal Banker directly.

1. Must enroll in and maintain eStatements.

Relationship Checking

Enjoy the perks of relationship banking.

With Relationship Checking, you get all the benefits of a premium banking relationship like free ATMs nationwide and our best savings rates when paired with an Ultimate Savings account. Relationship Checking offers:

  • Unlimited rebates toward other banks’ ATM surcharges1
  • Interest on your Relationship Checking account
  • Premium rates on non-promotional CDs of 12 months or longer2
  • Premium rates on an Ultimate Savings account
  • Free money orders and bank checks

As a Relationship Checking account customer you’ll also enjoy these banking conveniences:

For more information, stop by your nearest branch, call 800.361.6903 or contact a Personal Banker directly.

1. $25 minimum opening deposit. Must maintain a combined average monthly balance of $25,000 (previous month) in deposit and loan accounts to waive the $25 Monthly Service Charge and get ATM Surcharge Rebates.
2. Does not apply to IRA CDs.


Our customers speak for themselves!


“Your staff always greets me and my family by name.” “Simply great customer service!” “Friendly and no excessive fees”

Testimonial Source: Voice of the Customer Research, First Quarter 2018


Compare Checking Account Options

Not your average checking accounts

Looking for more than a safe home for your money? You’ve come to the right place. Blue Hills Bank offers a whole slew of bells and whistles with our personal checking accounts like debit card cash back, free ATMs nationwide, and premium interest rates on other accounts, to name a few. Take a look at our comparison chart below to help you decide which checking account works for you.

Free Checking Debit Rewards Checking Relationship Checking
Overview It’s all in the name when it comes to Free Checking. Get paid to use your debit card. A checking account with added benefits for maintaining high deposit and loan accounts balances.
Earns Interest check
Debit Rewards Earn 10¢ for every debit card purchase of $10 or more that posts and clears
Surcharge-free Access to SUM Program ATMs check check check
ATM Surcharge Rebate Up to $10 per statement cycle

Must meet requirements

Must meet requirements
Foreign (non-Blue Hills Bank) ATM Fee
$2 OR $0

If you enroll in and
maintain eStatements

$2 OR $0

If you meet

Free Standard Checks  check
Minimum Opening Deposit $25 $25 $25
Monthly Service Charge $0 $10 $25
Requirements to waive Monthly Service Charge and get ATM benefits Must enroll in and maintain eStatements Must enroll in and maintain eStatements


Direct deposits totaling $500 or more per statement cycle

$25,000 combined average monthly balance (previous month) in Blue Hills Bank consumer deposit and/or loan accounts
Additional benefits • Preferred rates on non-promotional CDs of 12 months or longer1


• Free money orders and bank checks


• Premium interest rates on Ultimate Savings account


• Waived stop payment fees


1. Does not apply to IRA CDs.

Other Services

Direct Deposit

Skip the trip to the bank on pay day and have your paycheck or government check deposited directly into your account with Direct Deposit. It’s an easy and convenient way to have access to your money even when you’re on vacation. And, you’ll no longer have to worry about lost or stolen checks. What could be better?!

Fill out a Direct Deposit Form and submit it to your employer or government agency today.



eStatements from Blue Hills Bank offer a simple, free and secure way to receive your monthly deposit account and mortgage statements. More and more people are switching from paper to eStatements. And the reasons are simple. eStatements:

  • Save paper and help the environment
  • Are secure – we use the highest level of protection available
  • Can be viewed for 18 months on our website, or saved to your PC for as long as you like
  • Include check images, just like paper statements
  • Are available sooner than paper statements

Enroll Today

Online Banking Users – Sign-up for eStatements through your Online Banking account by clicking on the Documents tab and following the instructions.

Don’t have Online Banking? Sign-up for our standalone eStatements service


For more information about our services, stop by your nearest branch, call 800.361.6903 or contact a Personal Banker directly.