Personal Checking

Our selection of ACCESSCHECKING accounts meets virtually any banking need and gives you access to the best we have to offer.

Choose from the options below and open online now, or visit your nearest Brookline Bank location.

ACCESSONE

This basic checking account is the right choice if you are looking for Online & Mobile Banking with Mobile Check Deposit, Bill Pay, Zelle®, eStatements, and a Debit Mastercard® — all with no minimum balance requirement or monthly maintenance fee.

ACCESSPLUS

ACCESSPLUS Checking adds free access to thousands of ATMs in the SUM® program plus other benefits.  There’s no monthly maintenance fee when you keep a minimum balance, or if you choose the convenience of Direct Deposit for your payroll or monthly government check.

PREMIERACCESS

PREMIERACCESS Checking is our top of the line account. It lets you use any ATM, anywhere in the U.S. for free, provides free standard check orders, waives fees on many bank services, and much more. It offers all of the benefits you would expect for customers who have more substantial banking relationships.

Brookline Bank Debit Mastercard

All ACCESSCHECKING accounts come with a Debit Mastercard letting you purchase goods and services or withdraw cash at countless retail locations, websites, ATMs, and more.

You can get cash at thousands of ATM locations, make purchases wherever Mastercard is accepted, add it to your mobile wallet for secure mobile payments, and even turn it on or off for greater security with our Card management feature in Online & Mobile Banking

Checking Account Details

Our ACCESSONE account is perfect if you are looking for basic checking and no monthly maintenance fee or minimum balance requirement.

 

ACCESSONE Features Include:

 

  • No monthly service charge
  • Unlimited check writing
  • No minimum daily balance required
  • Online & Mobile Banking with Mobile Check Deposit, Bill Pay, Zelle®, and eStatements
  • A Debit Mastercard®
  • Free withdrawals at Brookline Bank ATMs
  • A companion ACCESS Savings account

 

OPEN ACCOUNT

 

Our ACCESSPLUS Checking account rewards you with more access to free ATMs and savings on select Brookline Bank services. You can waive the monthly maintenance fee with Direct Deposit or by using the combined balance of all deposits and select loans*.

 

ACCESSPLUS Features Include:

 

  • Unlimited free use of thousands of ATMs in the SUM® program
  • Online & Mobile Banking with Mobile Check Deposit, Bill Pay, Zelle®, and eStatements
  • A Debit Mastercard®
  • Free initial order of standard checks
  • Free overdraft transfers from savings or money market account
  • A companion ACCESS Savings account
  • The ability to waive the monthly maintenance fee using combined balances*

 

OPEN ACCOUNT

 

*Combined balance is calculated by adding together: a.) the average daily balance of all your non-retirement personal savings, personal checking and personal money market accounts since their last statement date; b.) the current balance of all your personal CDs and IRA accounts, as of your checking account's statement date; and c.) the current outstanding principal balance of all your personal home equity lines/loans, personal overdraft lines of credit, personal loans, and personal mortgages held by Brookline Bank, as of your checking account's statement date.

Our top-of-the-line checking account, PREMIERACCESS recognizes you for the significant relationship you have with Brookline Bank by providing the freedom to use any ATM in the U.S.A. with no charge, free check orders, and waived fees on many bank services. 

 

PREMIERACCESS Features Include:

 

  • Unlimited free use of any ATM in the U.S.A. (we'll refund other banks' fees on your monthly statement)
  • Many service fees waived - including those for wire transfers and stop payments
  • Free standard checks and reorders
  • Online & Mobile Banking with Mobile Check Deposit, Bill Pay, Zelle®, and eStatements
  • A Debit Mastercard®
  • Interest on balances above $100
  • Free overdraft transfers from savings or money market account
  • An ACCESS Savings account
  • Monthly maintenance fee waived for Signature Business Banking customers or by using combined balances*

 

OPEN ACCOUNT

 

*Combined balance is calculated by adding together: a.) the average daily balance of all your non-retirement personal savings, personal checking and personal money market accounts since their last statement date; b.) the current balance of all your personal CDs and IRA accounts, as of your checking account's statement date; and c.) the current outstanding principal balance of all your personal home equity lines/loans, personal overdraft lines of credit, personal loans, and personal mortgages held by Brookline Bank, as of your checking account's statement date.

Checking Account Comparison

ACCESSONE CHECKING¹ ACCESSPLUS CHECKINGPREMIERACCESS CHECKING
DescriptionA smart, simple account with no monthly maintenance feeAdd Direct Deposit or combine balances to waive monthly maintenance feeEnjoy a full range of benefits and waived fees.
Free Online & Mobile Banking with Mobile Check Deposit, Bill Pay, Zelle® & eStatementsService AvailableService AvailableService Available
Free Mastercard® Debit CardService AvailableService AvailableService Available
An ACCESS Savings accountService AvailableService AvailableService Available
Free Telephone BankingService AvailableService AvailableService Available
Lower rates on select loans with Autopay from CheckingService AvailableService AvailableService Available
Free overdraft transfers from Savings/Money MarketService AvailableService Available
Unlimited free access to thousands of SUM® program ATMs2Service AvailableService Available
Unlimited free access to any ATM in the USAService Available
We'll refund other banks' surcharges on your monthly statement.
Free standard checkbook ordersService Available
A $15 value that can be applied to other checkbook orders.
Waived fees for many bank servicesService Available
Includes stop payments, wire transfers, overdraft transfers, home equity annual fee, safe deposit box annual fee, and more.
Interest on checking balances of $100 or moreService Available
Monthly maintenance feeNone$16.50; waived with Direct Deposit or $5,000 in combined balances.3$35.00; waived for Signature Business Banking customers or with $50,000 in combined balances.3

 

OPEN ACCOUNT

 

1. Also available as 18/65 Checking, with reduced/waived fees for customers age 18 and under or 65 and over. Ask for details.

2. Brookline Bank belongs to the SUM program and is a member of the NYCE and Cirrus ATM networks. Learn more about surcharge-free SUM ATMs. ATMs that are not part of the SUM program may impose a surcharge for withdrawals. PREMIERACCESS Checking customers will have these fees refunded on each monthly statement.

3. Combined balance is calculated by adding together: a.) the average daily balance of all your non-retirement personal savings, personal checking and personal money market accounts since their last statement date; b.) the current balance of all your personal CDs and IRA accounts, as of your checking account's statement date; and c.) the current outstanding principal balance of all your personal home equity lines/loans, personal overdraft lines of credit, personal loans, and personal mortgages held by Brookline Bank, as of your checking account's statement date.

Review our complete list of terms, conditions and service charges, or speak with a personal banker for more information.

Mobile Check Deposit

Save time and trips to the bank or ATM with Mobile Check Deposit, the fast, easy, and secure way to deposit checks using our Mobile Banking app.

For more information, check out our Mobile Check Deposit FAQs.

Overdraft Protection

We offer three options for avoiding overdrafts on your ACCESSCHECKING account.

  • Overdraft Transfers from Savings
    • Savings Overdraft Protection uses funds from your Brookline Bank personal savings or money market account to cover overdrafts. (No charge for PREMIERACCESS or ACCESSPLUS Checking customers.)
  • Overdraft Privilege Service
    • A fee-based service to help avoid having payments denied due to insufficient funds in your account. 
  • Overdraft Line of Credit
    • Access a credit line when your available checking balances cannot cover payments. (Credit approval required.)

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.

Mastercard is a registered trademark of Mastercard Inc.