No fees.
No kidding. No fees.
No kidding.

Free Checking

Our totally free checking account

Looking for a bank that offers fee-free checking? The hunt stops here. Our Free Checking offers:

  • No monthly service charge
  • No minimum balance requirement
  • $25 minimum opening deposit

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Free Checking

Our totally free checking account

With Free Checking we’re always with you – giving you access to your cash in your pocket and on your phone. And, with no monthly fees, no minimum balance requirement and just $25 needed to open an account, Free Checking is the perfect basic checking account.

With a Blue Hills Bank Free Checking account you can:

  • Keeps tabs on your account with our Mobile Banking app
  • Deposit checks with mobile check deposit
  • Access free ATMs at thousands of SUM Program ATMs1 nationwide
  • Make purchases or get cash back with a MasterCard® Debit Card
  • Receive and send money through Popmoney2

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For more information about how to open a free checking account, stop by your nearest branch, call 800.361.6903 or contact a Personal Banker directly.

1. Blue Hills Bank ATM fee will be waived when you enroll in and maintain eStatements.
2. Fees may apply. See Fee Schedule for details.

Mobile Banking

Enjoy the convenience of banking from anywhere.

 How it Works

Available for smartphones and tablets, Blue Hills Bank’s Mobile Banking app1 is like having a branch in your pocket. You can:

  • Deposit checks
  • Check account balances and transactions
  • Transfer fundsbetween your accounts at Blue Hills Bank3
  • Make person-to-person payments with Popmoney4
  • Pay bills
  • Locate Blue Hills Bank branches and ATMs
  • Control your debit card– Misplace your debit card? You can temporarily block your card from being used with the tap of a button. Find it? Turn it back on in real-time!


Ready to get started?

Download our Mobile Banking app from your provider’s app store and start banking when and where it’s convenient for you.

Download Our Mobile Banking App

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1. Mobile Banking is a FREE service. However, your mobile provider may charge for sending and receiving text messages or internet use. We recommend checking with your service provider for details on additional fees which may apply.
2. Transfers from a money market account or statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six transactions per statement cycle. Limits do not apply to deposits and they do not apply to withdrawals or transfers made at a branch, by mail, or by ATM.
3. Excludes Passbook Savings accounts.
4. Fees may apply. See Fee Schedule for details.
Apple and the Apple logo are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Play is a trademark of Google Inc.


Surcharge-free ATMs Nationwide

As a Blue Hills Bank customer, you can make surcharge-free withdrawals1 from thousands of SUM Program ATMs across the country using your Blue Hills Bank ATM or debit card. What’s more, you can enjoy totally free ATM access nationwide at SUM ATMs with a Free Checking account!2

Locate the nearest SUM ATM

Finding the closest SUM ATM is easy! You can either:

  • Go to and search by address or zip-code; or
  • Download the free SUM ATM Locator app from your mobile app store.  Available for iPhone® and Android™.

Take advantage of this benefit today

As an owner of a Blue Hills Bank ATM or debit card, you automatically have access to SUM ATMs. Simply look for the bright red SUM logo and begin enjoying surcharge-free ATM withdrawals today!


1. Other banks’ surcharges are waived when using a SUM ATM. Blue Hills Bank fee may apply.
2. Blue Hills Bank ATM fee will be waived when you enroll in and maintain eStatements.

Open your account in minutes

Opening a Free Checking account online is fast and easy. Here’s what you’ll need to have handy:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A U.S. government-issued photo ID (e.g. Driver’s License, Passport, State or Military ID)
  3. A credit or debit card or U.S. checking or savings account to fund your new account

You also must live or work in Massachusetts to open an account with Blue Hills Bank and be 18 years old to be a primary account holder on a personal checking account. Not 18 yet? Ask a parent or guardian to open a joint checking account with you.

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