Free Checking Accounts

Fast, Secure, Convenient

North Country Savings Bank offers fast, secure and convenient checking options for all members. We also offer student checking accounts for university students looking for a local community bank.

Our interest rates can change, so please check back frequently for the most up-to-date information.

Some benefits of all checking accounts at North Country Savings Bank include:

If you're looking to move your current account to North Country Savings Bank but don't want to deal with the hassle of switching banks, our Personal Bankers can help make the transition quick and simple - no switch kits required. 

Open a checking account with North Country Savings Bank online today!

Kasasa Checking Accounts

North Country Savings Bank always strives to bring better banking solutions to our communities and put more money in our members' pockets. That's why we've partnered with Kasasa, a financial technology company that seeks to empower local community banks across the country by offering high-quality banking products. Members can open a Kasasa checking and savings account through North Country Savings Bank to take advantage of these free, interest-earning checking accounts.

Qualify for the highest rate with these simple qualifications. The best part? There's never a penalty fee for missing the mark on Kasasa qualifications. Your account is always free — no matter what - and you can get back to earning your full rewards the very next cycle, no problem.

  • Use your debit card for purchases
  • Be enrolled and log into online banking
  • Be enrolled and agree to receive e-statement notice
  • Make an automatic payment

Kasasa Cash

With pre-qualification and no penalty fees, this reward checking account is our way of saying "thanks" to all our customers by putting more cash in their wallets. With return rates up to 3% for qualifying members, using your local community bank has never been so rewarding.

  • No Monthly Service Fee
  • No Minimum Balance
  • Refunds on all ATM Transactions Nationwide

Kasasa Cash Back

Earn even more rewards with our Kasasa Cash Back checking account. This rewards account lets you earn cash back on all debit card purchases. When we say all, we mean all: there's no worrying about points or limitations on what you buy. Whether you're buying gas, groceries, concert tickets or new shoes, you'll earn cash back just by using your debit card.

  • No monthly Service Fee
  • No minimum balance
  • Refunds on all ATM Transactions Nationwide
  • Cashback on all purchases made with your debit card

Totally Free Checking Account

North Country Savings Bank also offers this simple, non-interest bearing checking, ideal for members seeking a basic, free checking account.

  • $25.00 minimum to open account
  • No monthly service charge
  • Unlimited check writing
  • Receive check images with monthly statement
  • Balances below $100 with no activity for 180 days will be converted to a No Minimum Interest Checking that has a $4 per month service charge

VIP Free Interest Checking

North Country Savings Bank's interest-bearing checking account for our members 55 and older.

  • $25 minimum to open account
  • No minimum balance*
  • No per-check charge*
  • Free for customers with electronic deposit of payroll, retirement, or government payment
  • Free for customers with automatic payment to North Country Savings Bank loan
  • Receive check images with monthly statement
  • Interest compounded daily and credited monthly
  • Six (6) FREE Withdrawals per month at other ATMs (Up to $25 in ATM fees refunded per month)
  • Balance below $100 and no activity for 180 days will be closed (proceeds returned to account holder)

*To qualifying customers with direct deposit or direct payment to North Country Savings Bank loan.